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$13,160
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$416/mo
Today · 4.125%
HK$13,985
baseline
▲ 0.50% · 4.625%
HK$14,836
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,970/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,640
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,033
−HK$398/mo
Today · 4.125%
HK$15,431
baseline
▲ 0.50% · 4.625%
HK$16,244
+HK$813/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,862/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,792
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,283
−HK$499/mo
Today · 4.125%
HK$16,782
baseline
▲ 0.50% · 4.625%
HK$17,803
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,564/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,568
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,039
−HK$478/mo
Today · 4.125%
HK$18,517
baseline
▲ 0.50% · 4.625%
HK$19,493
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,034/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,424
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$582/mo
Today · 4.125%
HK$19,579
baseline
▲ 0.50% · 4.625%
HK$20,770
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,158/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,496
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,046
−HK$557/mo
Today · 4.125%
HK$21,603
baseline
▲ 0.50% · 4.625%
HK$22,742
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,206/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$749/mo
Today · 4.125%
HK$25,173
baseline
▲ 0.50% · 4.625%
HK$26,705
+HK$1,532/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,346/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,352
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,059
−HK$717/mo
Today · 4.125%
HK$27,776
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,464/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,552/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,851 · 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).