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$13,131
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,539
−HK$415/mo
Today · 4.125%
HK$13,954
baseline
▲ 0.50% · 4.625%
HK$14,803
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,908/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,608
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,000
−HK$397/mo
Today · 4.125%
HK$15,397
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,794/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,757
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,247
−HK$498/mo
Today · 4.125%
HK$16,745
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,490/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,529
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,000
−HK$476/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,450
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,383
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,955
−HK$581/mo
Today · 4.125%
HK$19,536
baseline
▲ 0.50% · 4.625%
HK$20,725
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,072/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,451
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,999
−HK$557/mo
Today · 4.125%
HK$21,556
baseline
▲ 0.50% · 4.625%
HK$22,692
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,112/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,635
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,371
−HK$747/mo
Today · 4.125%
HK$25,118
baseline
▲ 0.50% · 4.625%
HK$26,646
+HK$1,528/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,236/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,294
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$716/mo
Today · 4.125%
HK$27,715
baseline
▲ 0.50% · 4.625%
HK$29,176
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,430/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,566 · 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).