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$13,091
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$413/mo
Today · 4.125%
HK$13,912
baseline
▲ 0.50% · 4.625%
HK$14,759
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,824/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,564
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,955
−HK$396/mo
Today · 4.125%
HK$15,351
baseline
▲ 0.50% · 4.625%
HK$16,160
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,702/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,710
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,198
−HK$497/mo
Today · 4.125%
HK$16,695
baseline
▲ 0.50% · 4.625%
HK$17,711
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$33,390/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,477
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,946
−HK$475/mo
Today · 4.125%
HK$18,421
baseline
▲ 0.50% · 4.625%
HK$19,392
+HK$971/mo
Deposit HK$2.30M · loan HK$3.44M · min. income ≈ HK$36,842/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,328
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,898
−HK$579/mo
Today · 4.125%
HK$19,477
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,185/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,954/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,390
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$555/mo
Today · 4.125%
HK$21,491
baseline
▲ 0.50% · 4.625%
HK$22,624
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,982/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,564
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,297
−HK$745/mo
Today · 4.125%
HK$25,042
baseline
▲ 0.50% · 4.625%
HK$26,566
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,084/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,215
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,918
−HK$714/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,088
+HK$1,456/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,177 · 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).