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$13,112
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,520
−HK$415/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,782
+HK$847/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,870/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,587
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,979
−HK$396/mo
Today · 4.125%
HK$15,375
baseline
▲ 0.50% · 4.625%
HK$16,186
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,750/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,735
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$497/mo
Today · 4.125%
HK$16,721
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,442/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,505
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$477/mo
Today · 4.125%
HK$18,451
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,902/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$580/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$556/mo
Today · 4.125%
HK$21,526
baseline
▲ 0.50% · 4.625%
HK$22,660
+HK$1,134/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,052/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,602
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$746/mo
Today · 4.125%
HK$25,082
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,526/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,164/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,257
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,961
−HK$715/mo
Today · 4.125%
HK$27,676
baseline
▲ 0.50% · 4.625%
HK$29,135
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,352/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,384 · 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).