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$13,153
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,562
−HK$416/mo
Today · 4.125%
HK$13,978
baseline
▲ 0.50% · 4.625%
HK$14,828
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,956/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,633
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,025
−HK$398/mo
Today · 4.125%
HK$15,423
baseline
▲ 0.50% · 4.625%
HK$16,236
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,846/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,784
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,275
−HK$498/mo
Today · 4.125%
HK$16,773
baseline
▲ 0.50% · 4.625%
HK$17,794
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,546/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,559
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,030
−HK$478/mo
Today · 4.125%
HK$18,508
baseline
▲ 0.50% · 4.625%
HK$19,483
+HK$975/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,016/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,414
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,987
−HK$582/mo
Today · 4.125%
HK$19,569
baseline
▲ 0.50% · 4.625%
HK$20,760
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,138/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,486
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,035
−HK$558/mo
Today · 4.125%
HK$21,593
baseline
▲ 0.50% · 4.625%
HK$22,731
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,186/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,676
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,412
−HK$748/mo
Today · 4.125%
HK$25,160
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,320/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,339
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$717/mo
Today · 4.125%
HK$27,762
baseline
▲ 0.50% · 4.625%
HK$29,225
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,524/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,786 · 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).