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$13,174
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,584
−HK$416/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,852
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,000/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,656
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$399/mo
Today · 4.125%
HK$15,448
baseline
▲ 0.50% · 4.625%
HK$16,262
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,896/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,809
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,300
−HK$500/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,822
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,600/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,587
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,059
−HK$478/mo
Today · 4.125%
HK$18,537
baseline
▲ 0.50% · 4.625%
HK$19,514
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,074/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,443
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,017
−HK$583/mo
Today · 4.125%
HK$19,600
baseline
▲ 0.50% · 4.625%
HK$20,793
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,200/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,518
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,068
−HK$559/mo
Today · 4.125%
HK$21,627
baseline
▲ 0.50% · 4.625%
HK$22,767
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,254/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,713
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,451
−HK$749/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,380
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$718/mo
Today · 4.125%
HK$27,806
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,465/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,612/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,991 · 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).