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$13,111
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,519
−HK$415/mo
Today · 4.125%
HK$13,934
baseline
▲ 0.50% · 4.625%
HK$14,781
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,868/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,586
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,977
−HK$397/mo
Today · 4.125%
HK$15,374
baseline
▲ 0.50% · 4.625%
HK$16,185
+HK$811/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,748/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,734
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,223
−HK$497/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,738
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,440/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,504
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,973
−HK$476/mo
Today · 4.125%
HK$18,449
baseline
▲ 0.50% · 4.625%
HK$19,422
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,898/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$580/mo
Today · 4.125%
HK$19,507
baseline
▲ 0.50% · 4.625%
HK$20,694
+HK$1,187/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$39,014/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,421
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,968
−HK$556/mo
Today · 4.125%
HK$21,524
baseline
▲ 0.50% · 4.625%
HK$22,659
+HK$1,135/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,048/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,335
−HK$745/mo
Today · 4.125%
HK$25,080
baseline
▲ 0.50% · 4.625%
HK$26,606
+HK$1,526/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,160/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,255
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$715/mo
Today · 4.125%
HK$27,674
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,348/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,374 · 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).