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$13,120
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,529
−HK$414/mo
Today · 4.125%
HK$13,943
baseline
▲ 0.50% · 4.625%
HK$14,792
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,886/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,596
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$397/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,196
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,770/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,744
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,234
−HK$498/mo
Today · 4.125%
HK$16,732
baseline
▲ 0.50% · 4.625%
HK$17,750
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,464/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,516
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,985
−HK$477/mo
Today · 4.125%
HK$18,462
baseline
▲ 0.50% · 4.625%
HK$19,435
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,924/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$580/mo
Today · 4.125%
HK$19,520
baseline
▲ 0.50% · 4.625%
HK$20,708
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,040/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,435
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$556/mo
Today · 4.125%
HK$21,539
baseline
▲ 0.50% · 4.625%
HK$22,674
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,078/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,617
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,351
−HK$747/mo
Today · 4.125%
HK$25,098
baseline
▲ 0.50% · 4.625%
HK$26,625
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,196/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,273
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,978
−HK$715/mo
Today · 4.125%
HK$27,693
baseline
▲ 0.50% · 4.625%
HK$29,153
+HK$1,460/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,386/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,463 · 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).