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$13,171
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,581
−HK$416/mo
Today · 4.125%
HK$13,997
baseline
▲ 0.50% · 4.625%
HK$14,849
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,994/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,653
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,046
−HK$398/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,888/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,805
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,297
−HK$499/mo
Today · 4.125%
HK$16,796
baseline
▲ 0.50% · 4.625%
HK$17,818
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,592/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,583
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,055
−HK$478/mo
Today · 4.125%
HK$18,533
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,066/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,439
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,013
−HK$583/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,514
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$558/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,708
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$750/mo
Today · 4.125%
HK$25,195
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,390/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,375
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,082
−HK$718/mo
Today · 4.125%
HK$27,800
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,465/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,600/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,963 · 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).