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$13,087
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,494
−HK$414/mo
Today · 4.125%
HK$13,908
baseline
▲ 0.50% · 4.625%
HK$14,754
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,816/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,559
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,950
−HK$396/mo
Today · 4.125%
HK$15,346
baseline
▲ 0.50% · 4.625%
HK$16,155
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,692/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,705
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,193
−HK$496/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,378/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,471
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,940
−HK$475/mo
Today · 4.125%
HK$18,415
baseline
▲ 0.50% · 4.625%
HK$19,386
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,830/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,322
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,892
−HK$579/mo
Today · 4.125%
HK$19,471
baseline
▲ 0.50% · 4.625%
HK$20,656
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,942/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,383
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,930
−HK$554/mo
Today · 4.125%
HK$21,484
baseline
▲ 0.50% · 4.625%
HK$22,617
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,968/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,557
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,290
−HK$744/mo
Today · 4.125%
HK$25,034
baseline
▲ 0.50% · 4.625%
HK$26,557
+HK$1,523/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,068/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,207
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,910
−HK$713/mo
Today · 4.125%
HK$27,623
baseline
▲ 0.50% · 4.625%
HK$29,079
+HK$1,456/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,246/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,136 · 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).