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$13,137
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,546
−HK$415/mo
Today · 4.125%
HK$13,961
baseline
▲ 0.50% · 4.625%
HK$14,810
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,922/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,615
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$397/mo
Today · 4.125%
HK$15,404
baseline
▲ 0.50% · 4.625%
HK$16,216
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,808/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,764
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$498/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,772
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,538
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,008
−HK$477/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,964
−HK$581/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,734
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,461
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$557/mo
Today · 4.125%
HK$21,566
baseline
▲ 0.50% · 4.625%
HK$22,703
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,132/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,646
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$747/mo
Today · 4.125%
HK$25,129
baseline
▲ 0.50% · 4.625%
HK$26,658
+HK$1,529/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,258/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,306
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,012
−HK$716/mo
Today · 4.125%
HK$27,728
baseline
▲ 0.50% · 4.625%
HK$29,189
+HK$1,461/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,456/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,626 · 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).