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$13,053
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,459
−HK$413/mo
Today · 4.125%
HK$13,872
baseline
▲ 0.50% · 4.625%
HK$14,716
+HK$844/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$27,744/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,521
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,911
−HK$395/mo
Today · 4.125%
HK$15,306
baseline
▲ 0.50% · 4.625%
HK$16,113
+HK$807/mo
Deposit HK$2.86M · loan HK$2.86M · min. income ≈ HK$30,612/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$128,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,664
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,151
−HK$495/mo
Today · 4.125%
HK$16,646
baseline
▲ 0.50% · 4.625%
HK$17,659
+HK$1,013/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$33,292/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,426
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,893
−HK$474/mo
Today · 4.125%
HK$18,367
baseline
▲ 0.50% · 4.625%
HK$19,335
+HK$968/mo
Deposit HK$2.29M · loan HK$3.43M · min. income ≈ HK$36,734/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$128,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$577/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,182/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$553/mo
Today · 4.125%
HK$21,428
baseline
▲ 0.50% · 4.625%
HK$22,558
+HK$1,130/mo
Deposit HK$1.72M · loan HK$4.01M · min. income ≈ HK$42,856/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$128,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,496
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,226
−HK$743/mo
Today · 4.125%
HK$24,969
baseline
▲ 0.50% · 4.625%
HK$26,488
+HK$1,519/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$49,938/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,139
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,840
−HK$711/mo
Today · 4.125%
HK$27,551
baseline
▲ 0.50% · 4.625%
HK$29,003
+HK$1,452/mo
Deposit HK$572K · loan HK$5.15M · min. income ≈ HK$55,102/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$128,800 · 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).