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$13,132
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,541
−HK$415/mo
Today · 4.125%
HK$13,956
baseline
▲ 0.50% · 4.625%
HK$14,805
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,912/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,609
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,001
−HK$398/mo
Today · 4.125%
HK$15,399
baseline
▲ 0.50% · 4.625%
HK$16,210
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,798/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,759
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,249
−HK$498/mo
Today · 4.125%
HK$16,747
baseline
▲ 0.50% · 4.625%
HK$17,766
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,494/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,001
−HK$477/mo
Today · 4.125%
HK$18,478
baseline
▲ 0.50% · 4.625%
HK$19,452
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,956/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,385
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$581/mo
Today · 4.125%
HK$19,538
baseline
▲ 0.50% · 4.625%
HK$20,727
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,076/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,453
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,002
−HK$556/mo
Today · 4.125%
HK$21,558
baseline
▲ 0.50% · 4.625%
HK$22,694
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,116/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,638
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,373
−HK$747/mo
Today · 4.125%
HK$25,120
baseline
▲ 0.50% · 4.625%
HK$26,649
+HK$1,529/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,240/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,297
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,002
−HK$716/mo
Today · 4.125%
HK$27,718
baseline
▲ 0.50% · 4.625%
HK$29,179
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,436/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,579 · 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).