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$13,128
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,536
−HK$415/mo
Today · 4.125%
HK$13,951
baseline
▲ 0.50% · 4.625%
HK$14,800
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,902/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,605
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,996
−HK$398/mo
Today · 4.125%
HK$15,394
baseline
▲ 0.50% · 4.625%
HK$16,205
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,788/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,754
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,244
−HK$497/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,760
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,482/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,526
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$477/mo
Today · 4.125%
HK$18,473
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,946/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,379
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,951
−HK$581/mo
Today · 4.125%
HK$19,532
baseline
▲ 0.50% · 4.625%
HK$20,720
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,064/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,447
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,995
−HK$556/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,687
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,365
−HK$747/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,640
+HK$1,528/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,288
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$715/mo
Today · 4.125%
HK$27,709
baseline
▲ 0.50% · 4.625%
HK$29,169
+HK$1,460/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,418/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,538 · 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).