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$13,104
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,511
−HK$414/mo
Today · 4.125%
HK$13,925
baseline
▲ 0.50% · 4.625%
HK$14,773
+HK$848/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,850/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,578
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$396/mo
Today · 4.125%
HK$15,365
baseline
▲ 0.50% · 4.625%
HK$16,175
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,730/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,724
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,213
−HK$497/mo
Today · 4.125%
HK$16,710
baseline
▲ 0.50% · 4.625%
HK$17,727
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,420/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,493
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,962
−HK$476/mo
Today · 4.125%
HK$18,438
baseline
▲ 0.50% · 4.625%
HK$19,410
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,876/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,345
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$579/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,682
+HK$1,187/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$555/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,645
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,320
−HK$745/mo
Today · 4.125%
HK$25,065
baseline
▲ 0.50% · 4.625%
HK$26,591
+HK$1,526/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,130/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,240
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,943
−HK$714/mo
Today · 4.125%
HK$27,657
baseline
▲ 0.50% · 4.625%
HK$29,115
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,314/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,297 · 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).