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$13,134
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$415/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,807
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,916/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,612
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$397/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,213
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,802/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,761
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,252
−HK$498/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,769
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,500/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,534
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,005
−HK$477/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,456
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,964/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,388
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$581/mo
Today · 4.125%
HK$19,541
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,082/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,457
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$557/mo
Today · 4.125%
HK$21,562
baseline
▲ 0.50% · 4.625%
HK$22,699
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,124/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,642
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,377
−HK$748/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,653
+HK$1,528/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,302
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$716/mo
Today · 4.125%
HK$27,723
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,446/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,602 · 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).