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$13,127
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,535
−HK$415/mo
Today · 4.125%
HK$13,950
baseline
▲ 0.50% · 4.625%
HK$14,799
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,900/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,604
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,995
−HK$398/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,204
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,786/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,752
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,242
−HK$498/mo
Today · 4.125%
HK$16,740
baseline
▲ 0.50% · 4.625%
HK$17,759
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,480/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,524
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,994
−HK$477/mo
Today · 4.125%
HK$18,471
baseline
▲ 0.50% · 4.625%
HK$19,445
+HK$974/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,942/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,378
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,949
−HK$581/mo
Today · 4.125%
HK$19,530
baseline
▲ 0.50% · 4.625%
HK$20,719
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,060/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,445
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,993
−HK$557/mo
Today · 4.125%
HK$21,550
baseline
▲ 0.50% · 4.625%
HK$22,686
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,100/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,629
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$746/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,528/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$715/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,167
+HK$1,460/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,529 · 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).