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$13,105
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$414/mo
Today · 4.125%
HK$13,927
baseline
▲ 0.50% · 4.625%
HK$14,775
+HK$848/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,854/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,580
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,971
−HK$396/mo
Today · 4.125%
HK$15,367
baseline
▲ 0.50% · 4.625%
HK$16,177
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,734/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,726
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,216
−HK$497/mo
Today · 4.125%
HK$16,713
baseline
▲ 0.50% · 4.625%
HK$17,730
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,426/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,496
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,965
−HK$476/mo
Today · 4.125%
HK$18,441
baseline
▲ 0.50% · 4.625%
HK$19,413
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,882/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,348
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,918
−HK$580/mo
Today · 4.125%
HK$19,498
baseline
▲ 0.50% · 4.625%
HK$20,685
+HK$1,187/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,996/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,411
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,959
−HK$555/mo
Today · 4.125%
HK$21,514
baseline
▲ 0.50% · 4.625%
HK$22,648
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,028/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,324
−HK$745/mo
Today · 4.125%
HK$25,069
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,138/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,243
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$714/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,119
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,316 · 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).