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$13,153
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$415/mo
Today · 4.125%
HK$13,978
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$851/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,956/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,633
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$398/mo
Today · 4.125%
HK$15,424
baseline
▲ 0.50% · 4.625%
HK$16,237
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,848/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,784
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,275
−HK$499/mo
Today · 4.125%
HK$16,774
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,548/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,560
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$477/mo
Today · 4.125%
HK$18,508
baseline
▲ 0.50% · 4.625%
HK$19,484
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,016/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,415
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$582/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,760
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,140/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,486
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$557/mo
Today · 4.125%
HK$21,593
baseline
▲ 0.50% · 4.625%
HK$22,731
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,186/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,676
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,413
−HK$748/mo
Today · 4.125%
HK$25,161
baseline
▲ 0.50% · 4.625%
HK$26,692
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,322/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,339
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,046
−HK$717/mo
Today · 4.125%
HK$27,763
baseline
▲ 0.50% · 4.625%
HK$29,226
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,526/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,789 · 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).