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$13,110
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,518
−HK$414/mo
Today · 4.125%
HK$13,932
baseline
▲ 0.50% · 4.625%
HK$14,780
+HK$848/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$27,864/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,585
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,976
−HK$397/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,183
+HK$810/mo
Deposit HK$2.87M · loan HK$2.87M · min. income ≈ HK$30,746/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,732
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,221
−HK$498/mo
Today · 4.125%
HK$16,719
baseline
▲ 0.50% · 4.625%
HK$17,736
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,438/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,502
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,971
−HK$476/mo
Today · 4.125%
HK$18,447
baseline
▲ 0.50% · 4.625%
HK$19,420
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,894/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,354
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,925
−HK$580/mo
Today · 4.125%
HK$19,505
baseline
▲ 0.50% · 4.625%
HK$20,692
+HK$1,187/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$39,010/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,419
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$556/mo
Today · 4.125%
HK$21,522
baseline
▲ 0.50% · 4.625%
HK$22,656
+HK$1,134/mo
Deposit HK$1.72M · loan HK$4.02M · min. income ≈ HK$43,044/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,598
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,332
−HK$746/mo
Today · 4.125%
HK$25,078
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,526/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$50,156/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,253
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$714/mo
Today · 4.125%
HK$27,671
baseline
▲ 0.50% · 4.625%
HK$29,129
+HK$1,458/mo
Deposit HK$575K · loan HK$5.17M · min. income ≈ HK$55,342/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,361 · 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).