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$13,168
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,577
−HK$416/mo
Today · 4.125%
HK$13,993
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,986/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,649
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$398/mo
Today · 4.125%
HK$15,440
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,880/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,801
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$499/mo
Today · 4.125%
HK$16,792
baseline
▲ 0.50% · 4.625%
HK$17,814
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,584/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,579
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,050
−HK$478/mo
Today · 4.125%
HK$18,528
baseline
▲ 0.50% · 4.625%
HK$19,505
+HK$977/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,056/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,435
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$583/mo
Today · 4.125%
HK$19,591
baseline
▲ 0.50% · 4.625%
HK$20,783
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,182/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,508
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,058
−HK$558/mo
Today · 4.125%
HK$21,616
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,232/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,702
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$749/mo
Today · 4.125%
HK$25,188
baseline
▲ 0.50% · 4.625%
HK$26,721
+HK$1,533/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,376/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,368
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,075
−HK$717/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,465/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,929 · 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).