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$13,106
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,514
−HK$414/mo
Today · 4.125%
HK$13,928
baseline
▲ 0.50% · 4.625%
HK$14,776
+HK$848/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,856/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,581
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,972
−HK$396/mo
Today · 4.125%
HK$15,368
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,736/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,728
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,217
−HK$497/mo
Today · 4.125%
HK$16,714
baseline
▲ 0.50% · 4.625%
HK$17,731
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,428/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,497
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,966
−HK$476/mo
Today · 4.125%
HK$18,442
baseline
▲ 0.50% · 4.625%
HK$19,414
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,884/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,349
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,920
−HK$579/mo
Today · 4.125%
HK$19,499
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,187/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,998/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,413
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,960
−HK$556/mo
Today · 4.125%
HK$21,516
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,032/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,591
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,325
−HK$746/mo
Today · 4.125%
HK$25,071
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,525/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,142/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,245
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,949
−HK$714/mo
Today · 4.125%
HK$27,663
baseline
▲ 0.50% · 4.625%
HK$29,121
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,326/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,325 · 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).