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$13,139
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,547
−HK$416/mo
Today · 4.125%
HK$13,963
baseline
▲ 0.50% · 4.625%
HK$14,812
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,926/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,617
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,009
−HK$397/mo
Today · 4.125%
HK$15,406
baseline
▲ 0.50% · 4.625%
HK$16,218
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,812/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,766
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$498/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$1,020/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,510/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,540
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,010
−HK$478/mo
Today · 4.125%
HK$18,488
baseline
▲ 0.50% · 4.625%
HK$19,462
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,976/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,394
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,966
−HK$582/mo
Today · 4.125%
HK$19,548
baseline
▲ 0.50% · 4.625%
HK$20,737
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,096/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,463
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,012
−HK$557/mo
Today · 4.125%
HK$21,569
baseline
▲ 0.50% · 4.625%
HK$22,706
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,138/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,650
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$748/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,662
+HK$1,529/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,310
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$715/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,193
+HK$1,462/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,644 · 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).