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$13,169
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$417/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,846
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,990/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,650
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,043
−HK$399/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,256
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,884/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,803
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,294
−HK$500/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,815
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,588/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,580
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,052
−HK$478/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,507
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,436
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$582/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,785
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$558/mo
Today · 4.125%
HK$21,618
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,236/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,704
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,441
−HK$749/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,370
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,078
−HK$717/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,260
+HK$1,465/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,941 · 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).