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$13,094
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$414/mo
Today · 4.125%
HK$13,915
baseline
▲ 0.50% · 4.625%
HK$14,762
+HK$847/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,830/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,567
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$396/mo
Today · 4.125%
HK$15,354
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,708/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,713
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,202
−HK$496/mo
Today · 4.125%
HK$16,698
baseline
▲ 0.50% · 4.625%
HK$17,714
+HK$1,016/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,396/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,480
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$476/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,396
+HK$971/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,850/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,332
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$579/mo
Today · 4.125%
HK$19,481
baseline
▲ 0.50% · 4.625%
HK$20,667
+HK$1,186/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,962/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,394
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$555/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,629
+HK$1,133/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,569
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,302
−HK$745/mo
Today · 4.125%
HK$25,047
baseline
▲ 0.50% · 4.625%
HK$26,571
+HK$1,524/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,094/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,221
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,924
−HK$713/mo
Today · 4.125%
HK$27,637
baseline
▲ 0.50% · 4.625%
HK$29,094
+HK$1,457/mo
Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$55,274/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,204 · 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).