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$13,123
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,531
−HK$415/mo
Today · 4.125%
HK$13,946
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,892/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,599
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,991
−HK$397/mo
Today · 4.125%
HK$15,388
baseline
▲ 0.50% · 4.625%
HK$16,199
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,776/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,748
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$498/mo
Today · 4.125%
HK$16,735
baseline
▲ 0.50% · 4.625%
HK$17,753
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,470/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,519
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$477/mo
Today · 4.125%
HK$18,466
baseline
▲ 0.50% · 4.625%
HK$19,439
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,932/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,372
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,944
−HK$580/mo
Today · 4.125%
HK$19,524
baseline
▲ 0.50% · 4.625%
HK$20,712
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,048/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,439
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,987
−HK$556/mo
Today · 4.125%
HK$21,543
baseline
▲ 0.50% · 4.625%
HK$22,679
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,086/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,621
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,356
−HK$747/mo
Today · 4.125%
HK$25,103
baseline
▲ 0.50% · 4.625%
HK$26,630
+HK$1,527/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,206/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,279
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,983
−HK$715/mo
Today · 4.125%
HK$27,698
baseline
▲ 0.50% · 4.625%
HK$29,158
+HK$1,460/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,396/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,490 · 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).