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$13,141
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$416/mo
Today · 4.125%
HK$13,966
baseline
▲ 0.50% · 4.625%
HK$14,815
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,932/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,620
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,012
−HK$398/mo
Today · 4.125%
HK$15,410
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,820/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,770
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$499/mo
Today · 4.125%
HK$16,759
baseline
▲ 0.50% · 4.625%
HK$17,778
+HK$1,019/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,518/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,544
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,014
−HK$478/mo
Today · 4.125%
HK$18,492
baseline
▲ 0.50% · 4.625%
HK$19,466
+HK$974/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$36,984/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,398
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$582/mo
Today · 4.125%
HK$19,552
baseline
▲ 0.50% · 4.625%
HK$20,741
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,104/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,468
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,017
−HK$557/mo
Today · 4.125%
HK$21,574
baseline
▲ 0.50% · 4.625%
HK$22,711
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,148/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,655
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,390
−HK$748/mo
Today · 4.125%
HK$25,138
baseline
▲ 0.50% · 4.625%
HK$26,668
+HK$1,530/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,276/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,316
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,021
−HK$716/mo
Today · 4.125%
HK$27,737
baseline
▲ 0.50% · 4.625%
HK$29,199
+HK$1,462/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,474/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,672 · 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).