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$13,085
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,492
−HK$414/mo
Today · 4.125%
HK$13,906
baseline
▲ 0.50% · 4.625%
HK$14,752
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,812/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,557
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,948
−HK$396/mo
Today · 4.125%
HK$15,344
baseline
▲ 0.50% · 4.625%
HK$16,153
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,688/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,191
−HK$496/mo
Today · 4.125%
HK$16,687
baseline
▲ 0.50% · 4.625%
HK$17,703
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,374/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,469
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$476/mo
Today · 4.125%
HK$18,413
baseline
▲ 0.50% · 4.625%
HK$19,383
+HK$970/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,826/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,320
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,889
−HK$579/mo
Today · 4.125%
HK$19,468
baseline
▲ 0.50% · 4.625%
HK$20,653
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,936/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,380
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,927
−HK$554/mo
Today · 4.125%
HK$21,481
baseline
▲ 0.50% · 4.625%
HK$22,614
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,962/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,554
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,286
−HK$745/mo
Today · 4.125%
HK$25,031
baseline
▲ 0.50% · 4.625%
HK$26,554
+HK$1,523/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,062/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,203
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$713/mo
Today · 4.125%
HK$27,619
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,456/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,238/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,119 · 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).