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$13,113
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$415/mo
Today · 4.125%
HK$13,936
baseline
▲ 0.50% · 4.625%
HK$14,784
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,872/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,588
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,980
−HK$397/mo
Today · 4.125%
HK$15,377
baseline
▲ 0.50% · 4.625%
HK$16,187
+HK$810/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,754/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$129,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,736
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,225
−HK$498/mo
Today · 4.125%
HK$16,723
baseline
▲ 0.50% · 4.625%
HK$17,740
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,446/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,506
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,976
−HK$476/mo
Today · 4.125%
HK$18,452
baseline
▲ 0.50% · 4.625%
HK$19,424
+HK$972/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,904/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$580/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,971
−HK$556/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$746/mo
Today · 4.125%
HK$25,084
baseline
▲ 0.50% · 4.625%
HK$26,610
+HK$1,526/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,168/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,259
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$715/mo
Today · 4.125%
HK$27,678
baseline
▲ 0.50% · 4.625%
HK$29,137
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,356/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$129,393 · 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).