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$13,145
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,554
−HK$415/mo
Today · 4.125%
HK$13,969
baseline
▲ 0.50% · 4.625%
HK$14,819
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,938/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,623
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,016
−HK$398/mo
Today · 4.125%
HK$15,414
baseline
▲ 0.50% · 4.625%
HK$16,226
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,828/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,774
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,264
−HK$499/mo
Today · 4.125%
HK$16,763
baseline
▲ 0.50% · 4.625%
HK$17,783
+HK$1,020/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,526/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,548
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,019
−HK$477/mo
Today · 4.125%
HK$18,496
baseline
▲ 0.50% · 4.625%
HK$19,471
+HK$975/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$36,992/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,403
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,975
−HK$582/mo
Today · 4.125%
HK$19,557
baseline
▲ 0.50% · 4.625%
HK$20,747
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,114/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,473
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,022
−HK$557/mo
Today · 4.125%
HK$21,579
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,158/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,661
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,397
−HK$747/mo
Today · 4.125%
HK$25,144
baseline
▲ 0.50% · 4.625%
HK$26,674
+HK$1,530/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,288/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,322
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,028
−HK$716/mo
Today · 4.125%
HK$27,744
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,463/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,488/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,704 · 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).