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$13,090
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,497
−HK$414/mo
Today · 4.125%
HK$13,911
baseline
▲ 0.50% · 4.625%
HK$14,757
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,822/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,562
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,953
−HK$396/mo
Today · 4.125%
HK$15,349
baseline
▲ 0.50% · 4.625%
HK$16,158
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,698/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,708
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,196
−HK$497/mo
Today · 4.125%
HK$16,693
baseline
▲ 0.50% · 4.625%
HK$17,708
+HK$1,015/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,386/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,475
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,943
−HK$476/mo
Today · 4.125%
HK$18,419
baseline
▲ 0.50% · 4.625%
HK$19,390
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,838/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,326
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,896
−HK$579/mo
Today · 4.125%
HK$19,475
baseline
▲ 0.50% · 4.625%
HK$20,660
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,950/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,387
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,934
−HK$555/mo
Today · 4.125%
HK$21,489
baseline
▲ 0.50% · 4.625%
HK$22,621
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,978/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,561
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,294
−HK$745/mo
Today · 4.125%
HK$25,039
baseline
▲ 0.50% · 4.625%
HK$26,563
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,078/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,212
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,915
−HK$713/mo
Today · 4.125%
HK$27,628
baseline
▲ 0.50% · 4.625%
HK$29,084
+HK$1,456/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,256/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,161 · 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).