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$13,163
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,572
−HK$416/mo
Today · 4.125%
HK$13,988
baseline
▲ 0.50% · 4.625%
HK$14,840
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,976/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,644
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,036
−HK$399/mo
Today · 4.125%
HK$15,435
baseline
▲ 0.50% · 4.625%
HK$16,248
+HK$813/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,870/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,796
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,287
−HK$499/mo
Today · 4.125%
HK$16,786
baseline
▲ 0.50% · 4.625%
HK$17,808
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,572/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,572
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$478/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,044/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,428
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$583/mo
Today · 4.125%
HK$19,584
baseline
▲ 0.50% · 4.625%
HK$20,775
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,168/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,501
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,051
−HK$558/mo
Today · 4.125%
HK$21,609
baseline
▲ 0.50% · 4.625%
HK$22,748
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,218/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,693
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,430
−HK$749/mo
Today · 4.125%
HK$25,179
baseline
▲ 0.50% · 4.625%
HK$26,711
+HK$1,532/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,358/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,359
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,066
−HK$717/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,247
+HK$1,464/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,884 · 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).