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$13,120
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,528
−HK$415/mo
Today · 4.125%
HK$13,943
baseline
▲ 0.50% · 4.625%
HK$14,791
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,886/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,596
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,987
−HK$397/mo
Today · 4.125%
HK$15,384
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,768/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,744
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,234
−HK$497/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,749
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,462/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,515
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,985
−HK$476/mo
Today · 4.125%
HK$18,461
baseline
▲ 0.50% · 4.625%
HK$19,434
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,922/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,368
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,939
−HK$581/mo
Today · 4.125%
HK$19,520
baseline
▲ 0.50% · 4.625%
HK$20,707
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,040/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,434
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,982
−HK$556/mo
Today · 4.125%
HK$21,538
baseline
▲ 0.50% · 4.625%
HK$22,673
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,076/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,616
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,350
−HK$747/mo
Today · 4.125%
HK$25,097
baseline
▲ 0.50% · 4.625%
HK$26,624
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,194/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,272
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,977
−HK$715/mo
Today · 4.125%
HK$27,692
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,384/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,458 · 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).