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$13,110
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$415/mo
Today · 4.125%
HK$13,932
baseline
▲ 0.50% · 4.625%
HK$14,779
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,864/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,584
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,975
−HK$397/mo
Today · 4.125%
HK$15,372
baseline
▲ 0.50% · 4.625%
HK$16,182
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,744/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,731
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,221
−HK$497/mo
Today · 4.125%
HK$16,718
baseline
▲ 0.50% · 4.625%
HK$17,735
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,436/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,501
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,970
−HK$477/mo
Today · 4.125%
HK$18,447
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,894/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,353
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$580/mo
Today · 4.125%
HK$19,504
baseline
▲ 0.50% · 4.625%
HK$20,691
+HK$1,187/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$39,008/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,418
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,965
−HK$556/mo
Today · 4.125%
HK$21,521
baseline
▲ 0.50% · 4.625%
HK$22,655
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,042/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,597
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,331
−HK$746/mo
Today · 4.125%
HK$25,077
baseline
▲ 0.50% · 4.625%
HK$26,603
+HK$1,526/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,154/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,252
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,956
−HK$714/mo
Today · 4.125%
HK$27,670
baseline
▲ 0.50% · 4.625%
HK$29,128
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,340/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,356 · 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).