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$13,159
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,568
−HK$416/mo
Today · 4.125%
HK$13,984
baseline
▲ 0.50% · 4.625%
HK$14,835
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,968/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,639
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,031
−HK$399/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,243
+HK$813/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,860/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,790
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,281
−HK$499/mo
Today · 4.125%
HK$16,780
baseline
▲ 0.50% · 4.625%
HK$17,802
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,560/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,567
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,038
−HK$478/mo
Today · 4.125%
HK$18,516
baseline
▲ 0.50% · 4.625%
HK$19,492
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,032/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,422
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,995
−HK$582/mo
Today · 4.125%
HK$19,577
baseline
▲ 0.50% · 4.625%
HK$20,768
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,154/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,044
−HK$558/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,685
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,422
−HK$749/mo
Today · 4.125%
HK$25,171
baseline
▲ 0.50% · 4.625%
HK$26,702
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,342/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,056
−HK$717/mo
Today · 4.125%
HK$27,773
baseline
▲ 0.50% · 4.625%
HK$29,237
+HK$1,464/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,546/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,840 · 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).