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$13,157
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,566
−HK$416/mo
Today · 4.125%
HK$13,982
baseline
▲ 0.50% · 4.625%
HK$14,833
+HK$851/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,964/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,637
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$399/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,241
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,856/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,788
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,279
−HK$499/mo
Today · 4.125%
HK$16,778
baseline
▲ 0.50% · 4.625%
HK$17,799
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,556/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,564
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$478/mo
Today · 4.125%
HK$18,513
baseline
▲ 0.50% · 4.625%
HK$19,489
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,026/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,419
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$18,992
−HK$583/mo
Today · 4.125%
HK$19,575
baseline
▲ 0.50% · 4.625%
HK$20,766
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,150/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,491
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,041
−HK$558/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,737
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,682
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,419
−HK$748/mo
Today · 4.125%
HK$25,167
baseline
▲ 0.50% · 4.625%
HK$26,699
+HK$1,532/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,334/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,346
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,053
−HK$717/mo
Today · 4.125%
HK$27,770
baseline
▲ 0.50% · 4.625%
HK$29,233
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,540/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,822 · 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).