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$13,158
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,567
−HK$416/mo
Today · 4.125%
HK$13,983
baseline
▲ 0.50% · 4.625%
HK$14,833
+HK$850/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,966/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,638
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,030
−HK$398/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,242
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,856/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,789
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,280
−HK$499/mo
Today · 4.125%
HK$16,779
baseline
▲ 0.50% · 4.625%
HK$17,800
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,558/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,565
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,036
−HK$478/mo
Today · 4.125%
HK$18,514
baseline
▲ 0.50% · 4.625%
HK$19,490
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,028/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,994
−HK$582/mo
Today · 4.125%
HK$19,576
baseline
▲ 0.50% · 4.625%
HK$20,767
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,152/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,493
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,042
−HK$558/mo
Today · 4.125%
HK$21,600
baseline
▲ 0.50% · 4.625%
HK$22,738
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,200/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,684
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$749/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,054
−HK$717/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,235
+HK$1,464/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,542/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,830 · 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).