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$13,135
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,544
−HK$415/mo
Today · 4.125%
HK$13,959
baseline
▲ 0.50% · 4.625%
HK$14,809
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,918/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,613
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,005
−HK$398/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,214
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,806/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,253
−HK$498/mo
Today · 4.125%
HK$16,751
baseline
▲ 0.50% · 4.625%
HK$17,770
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,502/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,536
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,006
−HK$477/mo
Today · 4.125%
HK$18,483
baseline
▲ 0.50% · 4.625%
HK$19,457
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,966/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,390
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,962
−HK$581/mo
Today · 4.125%
HK$19,543
baseline
▲ 0.50% · 4.625%
HK$20,732
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,086/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,458
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,007
−HK$557/mo
Today · 4.125%
HK$21,564
baseline
▲ 0.50% · 4.625%
HK$22,700
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,128/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,379
−HK$748/mo
Today · 4.125%
HK$25,127
baseline
▲ 0.50% · 4.625%
HK$26,655
+HK$1,528/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,254/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,304
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,009
−HK$716/mo
Today · 4.125%
HK$27,725
baseline
▲ 0.50% · 4.625%
HK$29,186
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,450/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,612 · 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).