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$13,122
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,530
−HK$415/mo
Today · 4.125%
HK$13,945
baseline
▲ 0.50% · 4.625%
HK$14,793
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,890/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,598
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$398/mo
Today · 4.125%
HK$15,387
baseline
▲ 0.50% · 4.625%
HK$16,198
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,774/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,746
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,236
−HK$498/mo
Today · 4.125%
HK$16,734
baseline
▲ 0.50% · 4.625%
HK$17,752
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,468/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,517
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,987
−HK$477/mo
Today · 4.125%
HK$18,464
baseline
▲ 0.50% · 4.625%
HK$19,437
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,928/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,942
−HK$581/mo
Today · 4.125%
HK$19,523
baseline
▲ 0.50% · 4.625%
HK$20,710
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,046/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,437
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,985
−HK$556/mo
Today · 4.125%
HK$21,541
baseline
▲ 0.50% · 4.625%
HK$22,677
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,082/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,619
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$746/mo
Today · 4.125%
HK$25,100
baseline
▲ 0.50% · 4.625%
HK$26,628
+HK$1,528/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,200/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,276
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$715/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,156
+HK$1,460/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,477 · 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).