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$13,149
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,558
−HK$415/mo
Today · 4.125%
HK$13,973
baseline
▲ 0.50% · 4.625%
HK$14,823
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,946/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,628
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$398/mo
Today · 4.125%
HK$15,418
baseline
▲ 0.50% · 4.625%
HK$16,231
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,836/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,778
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,269
−HK$499/mo
Today · 4.125%
HK$16,768
baseline
▲ 0.50% · 4.625%
HK$17,788
+HK$1,020/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,536/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,553
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,024
−HK$477/mo
Today · 4.125%
HK$18,501
baseline
▲ 0.50% · 4.625%
HK$19,477
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,002/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,408
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,981
−HK$581/mo
Today · 4.125%
HK$19,562
baseline
▲ 0.50% · 4.625%
HK$20,753
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,124/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,479
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,028
−HK$557/mo
Today · 4.125%
HK$21,585
baseline
▲ 0.50% · 4.625%
HK$22,723
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,170/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,667
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,404
−HK$747/mo
Today · 4.125%
HK$25,151
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,302/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,036
−HK$716/mo
Today · 4.125%
HK$27,752
baseline
▲ 0.50% · 4.625%
HK$29,215
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,504/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,741 · 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).