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$13,173
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,583
−HK$416/mo
Today · 4.125%
HK$13,999
baseline
▲ 0.50% · 4.625%
HK$14,851
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,998/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,655
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,048
−HK$399/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,261
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,894/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,808
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,300
−HK$499/mo
Today · 4.125%
HK$16,799
baseline
▲ 0.50% · 4.625%
HK$17,821
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,598/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,586
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,058
−HK$478/mo
Today · 4.125%
HK$18,536
baseline
▲ 0.50% · 4.625%
HK$19,513
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,072/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,443
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,016
−HK$583/mo
Today · 4.125%
HK$19,599
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,067
−HK$559/mo
Today · 4.125%
HK$21,626
baseline
▲ 0.50% · 4.625%
HK$22,766
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,252/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,712
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$749/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,732
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,398/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,379
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$717/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,270
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,986 · 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).