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$13,107
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,515
−HK$414/mo
Today · 4.125%
HK$13,929
baseline
▲ 0.50% · 4.625%
HK$14,777
+HK$848/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,858/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,582
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$397/mo
Today · 4.125%
HK$15,370
baseline
▲ 0.50% · 4.625%
HK$16,180
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,740/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,729
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,218
−HK$497/mo
Today · 4.125%
HK$16,715
baseline
▲ 0.50% · 4.625%
HK$17,732
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,430/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,498
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$476/mo
Today · 4.125%
HK$18,444
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,888/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,350
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$580/mo
Today · 4.125%
HK$19,501
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,187/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$39,002/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,415
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,962
−HK$556/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,593
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,327
−HK$746/mo
Today · 4.125%
HK$25,073
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,526/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,146/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,247
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,951
−HK$715/mo
Today · 4.125%
HK$27,666
baseline
▲ 0.50% · 4.625%
HK$29,124
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,332/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,336 · 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).