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$13,128
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,536
−HK$415/mo
Today · 4.125%
HK$13,951
baseline
▲ 0.50% · 4.625%
HK$14,800
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,902/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,604
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,996
−HK$397/mo
Today · 4.125%
HK$15,393
baseline
▲ 0.50% · 4.625%
HK$16,205
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,786/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,753
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,243
−HK$498/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,760
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,482/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,525
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,995
−HK$477/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$974/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,379
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,950
−HK$581/mo
Today · 4.125%
HK$19,531
baseline
▲ 0.50% · 4.625%
HK$20,720
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,062/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,446
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,994
−HK$557/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,687
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,365
−HK$747/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,640
+HK$1,528/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,288
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,993
−HK$715/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,169
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,535 · 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).