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$13,062
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$413/mo
Today · 4.125%
HK$13,881
baseline
▲ 0.50% · 4.625%
HK$14,726
+HK$845/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,762/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,531
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,921
−HK$396/mo
Today · 4.125%
HK$15,317
baseline
▲ 0.50% · 4.625%
HK$16,124
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,634/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,675
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,162
−HK$495/mo
Today · 4.125%
HK$16,657
baseline
▲ 0.50% · 4.625%
HK$17,671
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,314/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,438
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,905
−HK$475/mo
Today · 4.125%
HK$18,380
baseline
▲ 0.50% · 4.625%
HK$19,349
+HK$969/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,760/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,287
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$578/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,616
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,344
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,890
−HK$553/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,573
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,512
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,243
−HK$743/mo
Today · 4.125%
HK$24,986
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,521/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$49,972/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,157
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,858
−HK$712/mo
Today · 4.125%
HK$27,570
baseline
▲ 0.50% · 4.625%
HK$29,023
+HK$1,453/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,140/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$128,888 · 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).