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$13,072
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,479
−HK$413/mo
Today · 4.125%
HK$13,892
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,784/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,543
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,933
−HK$395/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,656/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$128,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$495/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,685
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,451
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$475/mo
Today · 4.125%
HK$18,394
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,788/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,301
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$579/mo
Today · 4.125%
HK$19,449
baseline
▲ 0.50% · 4.625%
HK$20,632
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,898/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,360
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,906
−HK$554/mo
Today · 4.125%
HK$21,460
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,920/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,530
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,262
−HK$744/mo
Today · 4.125%
HK$25,006
baseline
▲ 0.50% · 4.625%
HK$26,527
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,012/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,177
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,879
−HK$712/mo
Today · 4.125%
HK$27,591
baseline
▲ 0.50% · 4.625%
HK$29,046
+HK$1,455/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,182/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,988 · 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).