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$13,170
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$416/mo
Today · 4.125%
HK$13,996
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,992/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$398/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,886/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,804
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,296
−HK$499/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,817
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,582
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$478/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,509
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,438
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,012
−HK$582/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,787
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$559/mo
Today · 4.125%
HK$21,621
baseline
▲ 0.50% · 4.625%
HK$22,760
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,242/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,706
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,444
−HK$749/mo
Today · 4.125%
HK$25,193
baseline
▲ 0.50% · 4.625%
HK$26,726
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,386/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,373
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,080
−HK$718/mo
Today · 4.125%
HK$27,798
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,465/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,596/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,954 · 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).