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$13,115
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,523
−HK$414/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,590
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$397/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,738
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,227
−HK$498/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,742
+HK$1,017/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,450/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,508
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$476/mo
Today · 4.125%
HK$18,454
baseline
▲ 0.50% · 4.625%
HK$19,427
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,908/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$580/mo
Today · 4.125%
HK$19,512
baseline
▲ 0.50% · 4.625%
HK$20,699
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,024/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,426
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$556/mo
Today · 4.125%
HK$21,530
baseline
▲ 0.50% · 4.625%
HK$22,665
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,060/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$129,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,607
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,341
−HK$746/mo
Today · 4.125%
HK$25,087
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,174/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,262
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$714/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,140
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,409 · 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).