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$13,117
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$414/mo
Today · 4.125%
HK$13,939
baseline
▲ 0.50% · 4.625%
HK$14,787
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,878/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,592
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$397/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,191
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,740
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,229
−HK$498/mo
Today · 4.125%
HK$16,727
baseline
▲ 0.50% · 4.625%
HK$17,745
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,454/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,980
−HK$476/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,934
−HK$581/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,702
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,429
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$555/mo
Today · 4.125%
HK$21,532
baseline
▲ 0.50% · 4.625%
HK$22,667
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,064/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,610
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,344
−HK$746/mo
Today · 4.125%
HK$25,090
baseline
▲ 0.50% · 4.625%
HK$26,617
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,180/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,266
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,970
−HK$715/mo
Today · 4.125%
HK$27,685
baseline
▲ 0.50% · 4.625%
HK$29,144
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,370/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,425 · 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).