The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,093
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$414/mo
Today · 4.125%
HK$13,914
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,828/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,566
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$397/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,162
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,711
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,200
−HK$497/mo
Today · 4.125%
HK$16,697
baseline
▲ 0.50% · 4.625%
HK$17,713
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,394/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,479
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$476/mo
Today · 4.125%
HK$18,423
baseline
▲ 0.50% · 4.625%
HK$19,394
+HK$971/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,846/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,330
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,900
−HK$579/mo
Today · 4.125%
HK$19,479
baseline
▲ 0.50% · 4.625%
HK$20,665
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,958/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,392
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,939
−HK$555/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,626
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,988/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,567
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,300
−HK$745/mo
Today · 4.125%
HK$25,045
baseline
▲ 0.50% · 4.625%
HK$26,569
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,090/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,218
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$714/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,456/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,191 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).