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$13,081
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$413/mo
Today · 4.125%
HK$13,901
baseline
▲ 0.50% · 4.625%
HK$14,747
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,802/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,552
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,942
−HK$396/mo
Today · 4.125%
HK$15,338
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$809/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,676/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,697
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,185
−HK$496/mo
Today · 4.125%
HK$16,681
baseline
▲ 0.50% · 4.625%
HK$17,696
+HK$1,015/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,362/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,463
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,931
−HK$475/mo
Today · 4.125%
HK$18,406
baseline
▲ 0.50% · 4.625%
HK$19,376
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,812/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,313
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,883
−HK$578/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,645
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,373
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$555/mo
Today · 4.125%
HK$21,474
baseline
▲ 0.50% · 4.625%
HK$22,606
+HK$1,132/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$42,948/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,545
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$744/mo
Today · 4.125%
HK$25,022
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,522/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$50,044/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,194
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$713/mo
Today · 4.125%
HK$27,609
baseline
▲ 0.50% · 4.625%
HK$29,064
+HK$1,455/mo
Deposit HK$574K · loan HK$5.16M · min. income ≈ HK$55,218/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,071 · 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).