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$13,116
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$414/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,787
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,876/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,591
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$397/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,190
+HK$810/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,739
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,229
−HK$497/mo
Today · 4.125%
HK$16,726
baseline
▲ 0.50% · 4.625%
HK$17,744
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,452/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$477/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,362
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,934
−HK$580/mo
Today · 4.125%
HK$19,514
baseline
▲ 0.50% · 4.625%
HK$20,701
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,028/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,428
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,976
−HK$556/mo
Today · 4.125%
HK$21,532
baseline
▲ 0.50% · 4.625%
HK$22,667
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,064/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,609
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,343
−HK$746/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,616
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,265
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,969
−HK$715/mo
Today · 4.125%
HK$27,684
baseline
▲ 0.50% · 4.625%
HK$29,143
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,368/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,420 · 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).