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$13,102
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$414/mo
Today · 4.125%
HK$13,924
baseline
▲ 0.50% · 4.625%
HK$14,771
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,848/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,576
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,967
−HK$397/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,174
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,728/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,723
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,212
−HK$497/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,725
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,418/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,491
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,961
−HK$476/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,408
+HK$971/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,874/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,343
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$580/mo
Today · 4.125%
HK$19,494
baseline
▲ 0.50% · 4.625%
HK$20,680
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,988/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,407
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,954
−HK$555/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,643
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,584
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,318
−HK$745/mo
Today · 4.125%
HK$25,063
baseline
▲ 0.50% · 4.625%
HK$26,588
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,126/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,237
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,941
−HK$714/mo
Today · 4.125%
HK$27,655
baseline
▲ 0.50% · 4.625%
HK$29,112
+HK$1,457/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,310/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,286 · 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).