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$13,131
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$415/mo
Today · 4.125%
HK$13,955
baseline
▲ 0.50% · 4.625%
HK$14,804
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,910/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,608
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,000
−HK$398/mo
Today · 4.125%
HK$15,398
baseline
▲ 0.50% · 4.625%
HK$16,209
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,796/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,757
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,248
−HK$498/mo
Today · 4.125%
HK$16,746
baseline
▲ 0.50% · 4.625%
HK$17,764
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,492/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,530
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,000
−HK$477/mo
Today · 4.125%
HK$18,477
baseline
▲ 0.50% · 4.625%
HK$19,451
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,954/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,384
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,955
−HK$581/mo
Today · 4.125%
HK$19,536
baseline
▲ 0.50% · 4.625%
HK$20,725
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,072/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,452
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,000
−HK$557/mo
Today · 4.125%
HK$21,557
baseline
▲ 0.50% · 4.625%
HK$22,693
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,114/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,636
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,371
−HK$747/mo
Today · 4.125%
HK$25,118
baseline
▲ 0.50% · 4.625%
HK$26,647
+HK$1,529/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,236/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,295
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,000
−HK$716/mo
Today · 4.125%
HK$27,716
baseline
▲ 0.50% · 4.625%
HK$29,177
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,432/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,570 · 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).