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$13,118
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,526
−HK$415/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,882/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,594
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,985
−HK$397/mo
Today · 4.125%
HK$15,382
baseline
▲ 0.50% · 4.625%
HK$16,193
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,764/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,742
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,231
−HK$498/mo
Today · 4.125%
HK$16,729
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,458/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,982
−HK$477/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,432
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,918/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,365
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$580/mo
Today · 4.125%
HK$19,517
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,034/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,431
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,979
−HK$556/mo
Today · 4.125%
HK$21,535
baseline
▲ 0.50% · 4.625%
HK$22,670
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,070/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,347
−HK$746/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,269
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,973
−HK$715/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,147
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,441 · 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).