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$13,074
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,481
−HK$413/mo
Today · 4.125%
HK$13,894
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$845/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,788/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,545
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$396/mo
Today · 4.125%
HK$15,331
baseline
▲ 0.50% · 4.625%
HK$16,139
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,662/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,689
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,177
−HK$496/mo
Today · 4.125%
HK$16,673
baseline
▲ 0.50% · 4.625%
HK$17,687
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,346/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,454
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$475/mo
Today · 4.125%
HK$18,397
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,794/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,304
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,873
−HK$578/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,635
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,363
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,909
−HK$554/mo
Today · 4.125%
HK$21,463
baseline
▲ 0.50% · 4.625%
HK$22,594
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,926/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,533
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,265
−HK$744/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,531
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,180
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,883
−HK$712/mo
Today · 4.125%
HK$27,595
baseline
▲ 0.50% · 4.625%
HK$29,049
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,190/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$129,006 · 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).