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$13,138
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,547
−HK$415/mo
Today · 4.125%
HK$13,962
baseline
▲ 0.50% · 4.625%
HK$14,812
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,924/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,616
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,008
−HK$398/mo
Today · 4.125%
HK$15,406
baseline
▲ 0.50% · 4.625%
HK$16,218
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,812/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,766
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$498/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,774
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,510/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,540
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,010
−HK$477/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,462
+HK$975/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,394
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,966
−HK$581/mo
Today · 4.125%
HK$19,547
baseline
▲ 0.50% · 4.625%
HK$20,737
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,094/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,463
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,012
−HK$556/mo
Today · 4.125%
HK$21,568
baseline
▲ 0.50% · 4.625%
HK$22,705
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,136/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,649
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$747/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,529/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,264/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,309
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,015
−HK$716/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,193
+HK$1,462/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,642 · 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).