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$13,115
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$415/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,786
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,876/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,591
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$397/mo
Today · 4.125%
HK$15,379
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,758/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,738
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,228
−HK$497/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,743
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,450/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,509
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$477/mo
Today · 4.125%
HK$18,455
baseline
▲ 0.50% · 4.625%
HK$19,428
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,910/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$580/mo
Today · 4.125%
HK$19,513
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,026/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,427
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$556/mo
Today · 4.125%
HK$21,531
baseline
▲ 0.50% · 4.625%
HK$22,665
+HK$1,134/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,062/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$746/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,615
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,263
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$714/mo
Today · 4.125%
HK$27,682
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,364/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,413 · 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).