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$13,141
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$415/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,815
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,930/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,619
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$398/mo
Today · 4.125%
HK$15,409
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,818/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,769
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$498/mo
Today · 4.125%
HK$16,758
baseline
▲ 0.50% · 4.625%
HK$17,778
+HK$1,020/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,516/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,543
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$478/mo
Today · 4.125%
HK$18,491
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$974/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$36,982/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,397
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,969
−HK$582/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,740
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,467
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,016
−HK$556/mo
Today · 4.125%
HK$21,572
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,144/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,654
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$748/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,666
+HK$1,529/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,314
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,020
−HK$716/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,462/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,665 · 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).