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$13,119
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$415/mo
Today · 4.125%
HK$13,942
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,884/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,595
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$397/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,766/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,743
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$497/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,514
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,984
−HK$476/mo
Today · 4.125%
HK$18,460
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,920/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,367
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,938
−HK$580/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,706
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,433
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,981
−HK$556/mo
Today · 4.125%
HK$21,537
baseline
▲ 0.50% · 4.625%
HK$22,672
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,074/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,614
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$746/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,622
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,271
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,975
−HK$715/mo
Today · 4.125%
HK$27,690
baseline
▲ 0.50% · 4.625%
HK$29,150
+HK$1,460/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,380/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,451 · 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).