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$13,088
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,495
−HK$414/mo
Today · 4.125%
HK$13,909
baseline
▲ 0.50% · 4.625%
HK$14,755
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,818/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,560
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,951
−HK$396/mo
Today · 4.125%
HK$15,347
baseline
▲ 0.50% · 4.625%
HK$16,156
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,694/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,706
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,194
−HK$497/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,706
+HK$1,015/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,472
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$475/mo
Today · 4.125%
HK$18,416
baseline
▲ 0.50% · 4.625%
HK$19,387
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,832/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,323
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,893
−HK$579/mo
Today · 4.125%
HK$19,472
baseline
▲ 0.50% · 4.625%
HK$20,657
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,944/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,384
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,931
−HK$555/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,618
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$745/mo
Today · 4.125%
HK$25,036
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,523/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,072/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,209
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,911
−HK$714/mo
Today · 4.125%
HK$27,625
baseline
▲ 0.50% · 4.625%
HK$29,081
+HK$1,456/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,250/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,144 · 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).