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$13,143
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$415/mo
Today · 4.125%
HK$13,967
baseline
▲ 0.50% · 4.625%
HK$14,817
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,934/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,621
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,013
−HK$398/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,224
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,822/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,771
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,262
−HK$498/mo
Today · 4.125%
HK$16,760
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$1,020/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,520/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,546
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$477/mo
Today · 4.125%
HK$18,493
baseline
▲ 0.50% · 4.625%
HK$19,468
+HK$975/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$36,986/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,400
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,972
−HK$582/mo
Today · 4.125%
HK$19,554
baseline
▲ 0.50% · 4.625%
HK$20,744
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,108/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,470
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,019
−HK$557/mo
Today · 4.125%
HK$21,576
baseline
▲ 0.50% · 4.625%
HK$22,713
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,152/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,657
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,393
−HK$748/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,670
+HK$1,529/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,318
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$716/mo
Today · 4.125%
HK$27,740
baseline
▲ 0.50% · 4.625%
HK$29,202
+HK$1,462/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,480/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,685 · 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).