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$13,129
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,537
−HK$415/mo
Today · 4.125%
HK$13,952
baseline
▲ 0.50% · 4.625%
HK$14,801
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,904/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,606
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,998
−HK$397/mo
Today · 4.125%
HK$15,395
baseline
▲ 0.50% · 4.625%
HK$16,207
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,790/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,755
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,245
−HK$498/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,527
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,997
−HK$477/mo
Today · 4.125%
HK$18,474
baseline
▲ 0.50% · 4.625%
HK$19,448
+HK$974/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,948/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,381
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,952
−HK$581/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,066/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,448
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$556/mo
Today · 4.125%
HK$21,553
baseline
▲ 0.50% · 4.625%
HK$22,689
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,106/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,632
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$747/mo
Today · 4.125%
HK$25,114
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,528/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,228/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,291
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,996
−HK$715/mo
Today · 4.125%
HK$27,711
baseline
▲ 0.50% · 4.625%
HK$29,172
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,422/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,549 · 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).