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$13,121
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,529
−HK$415/mo
Today · 4.125%
HK$13,944
baseline
▲ 0.50% · 4.625%
HK$14,792
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,888/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,597
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$397/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,196
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,770/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,745
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$497/mo
Today · 4.125%
HK$16,732
baseline
▲ 0.50% · 4.625%
HK$17,750
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,464/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,516
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,986
−HK$477/mo
Today · 4.125%
HK$18,463
baseline
▲ 0.50% · 4.625%
HK$19,436
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,926/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,941
−HK$580/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,709
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,436
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,984
−HK$556/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,675
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,618
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,352
−HK$747/mo
Today · 4.125%
HK$25,099
baseline
▲ 0.50% · 4.625%
HK$26,626
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,198/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,274
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,979
−HK$715/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,154
+HK$1,460/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,468 · 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).