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$13,103
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,510
−HK$415/mo
Today · 4.125%
HK$13,925
baseline
▲ 0.50% · 4.625%
HK$14,772
+HK$847/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$129,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,577
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,968
−HK$396/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$129,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,723
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,213
−HK$496/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,726
+HK$1,017/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$129,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,492
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,961
−HK$476/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,409
+HK$972/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$129,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,344
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,915
−HK$579/mo
Today · 4.125%
HK$19,494
baseline
▲ 0.50% · 4.625%
HK$20,681
+HK$1,187/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$129,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,408
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,955
−HK$555/mo
Today · 4.125%
HK$21,510
baseline
▲ 0.50% · 4.625%
HK$22,644
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,020/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,585
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,319
−HK$745/mo
Today · 4.125%
HK$25,064
baseline
▲ 0.50% · 4.625%
HK$26,589
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,128/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,238
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,942
−HK$714/mo
Today · 4.125%
HK$27,656
baseline
▲ 0.50% · 4.625%
HK$29,114
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,312/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,291 · 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).