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$13,069
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,476
−HK$413/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,734
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,778/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,539
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$396/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,132
+HK$807/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,650/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,683
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$495/mo
Today · 4.125%
HK$16,666
baseline
▲ 0.50% · 4.625%
HK$17,680
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,332/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,447
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$475/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,297
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$578/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,627
+HK$1,183/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,355
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$553/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,524
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,256
−HK$743/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,521
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,170
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$712/mo
Today · 4.125%
HK$27,584
baseline
▲ 0.50% · 4.625%
HK$29,038
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,168/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,956 · 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).