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$13,077
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,484
−HK$413/mo
Today · 4.125%
HK$13,897
baseline
▲ 0.50% · 4.625%
HK$14,743
+HK$846/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,794/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,548
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,938
−HK$396/mo
Today · 4.125%
HK$15,334
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$808/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,668/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,693
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,181
−HK$496/mo
Today · 4.125%
HK$16,677
baseline
▲ 0.50% · 4.625%
HK$17,691
+HK$1,014/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$33,354/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,458
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,926
−HK$475/mo
Today · 4.125%
HK$18,401
baseline
▲ 0.50% · 4.625%
HK$19,371
+HK$970/mo
Deposit HK$2.29M · loan HK$3.44M · min. income ≈ HK$36,802/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$129,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,308
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$578/mo
Today · 4.125%
HK$19,456
baseline
▲ 0.50% · 4.625%
HK$20,640
+HK$1,184/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,912/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$554/mo
Today · 4.125%
HK$21,468
baseline
▲ 0.50% · 4.625%
HK$22,599
+HK$1,131/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,936/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,271
−HK$744/mo
Today · 4.125%
HK$25,015
baseline
▲ 0.50% · 4.625%
HK$26,537
+HK$1,522/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$50,030/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$713/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,454/mo
Deposit HK$573K · loan HK$5.16M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,037 · 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).