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$13,167
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,576
−HK$416/mo
Today · 4.125%
HK$13,992
baseline
▲ 0.50% · 4.625%
HK$14,844
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,984/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,648
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,041
−HK$398/mo
Today · 4.125%
HK$15,439
baseline
▲ 0.50% · 4.625%
HK$16,253
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,878/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,800
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,291
−HK$500/mo
Today · 4.125%
HK$16,791
baseline
▲ 0.50% · 4.625%
HK$17,812
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,582/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,577
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$478/mo
Today · 4.125%
HK$18,527
baseline
▲ 0.50% · 4.625%
HK$19,504
+HK$977/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,054/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,007
−HK$582/mo
Today · 4.125%
HK$19,589
baseline
▲ 0.50% · 4.625%
HK$20,781
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,178/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,507
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$558/mo
Today · 4.125%
HK$21,615
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,230/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,700
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,437
−HK$749/mo
Today · 4.125%
HK$25,186
baseline
▲ 0.50% · 4.625%
HK$26,719
+HK$1,533/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,372/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,366
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,073
−HK$717/mo
Today · 4.125%
HK$27,790
baseline
▲ 0.50% · 4.625%
HK$29,255
+HK$1,465/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,580/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,920 · 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).