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$13,170
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$416/mo
Today · 4.125%
HK$13,996
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,992/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,651
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$399/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,886/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,804
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,295
−HK$500/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,817
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,582
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$479/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,508
+HK$976/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,438
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,011
−HK$583/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,786
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$558/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,760
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,706
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,443
−HK$749/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,080
−HK$717/mo
Today · 4.125%
HK$27,797
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,594/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,952 · 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).