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$13,149
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,558
−HK$416/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,629
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$398/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,838/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,779
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,270
−HK$499/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$1,020/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,554
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,025
−HK$478/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$975/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,409
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,982
−HK$582/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,754
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,480
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,029
−HK$557/mo
Today · 4.125%
HK$21,586
baseline
▲ 0.50% · 4.625%
HK$22,724
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,172/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,669
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$748/mo
Today · 4.125%
HK$25,153
baseline
▲ 0.50% · 4.625%
HK$26,684
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,306/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,331
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$716/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,750 · 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).