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$13,146
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,555
−HK$416/mo
Today · 4.125%
HK$13,971
baseline
▲ 0.50% · 4.625%
HK$14,821
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,942/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,625
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,017
−HK$398/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,228
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,776
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,266
−HK$499/mo
Today · 4.125%
HK$16,765
baseline
▲ 0.50% · 4.625%
HK$17,785
+HK$1,020/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,530/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,550
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,021
−HK$477/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,473
+HK$975/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$36,996/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,405
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$582/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,749
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,475
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,024
−HK$557/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,719
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,663
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,399
−HK$748/mo
Today · 4.125%
HK$25,147
baseline
▲ 0.50% · 4.625%
HK$26,677
+HK$1,530/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,294/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,325
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,031
−HK$717/mo
Today · 4.125%
HK$27,748
baseline
▲ 0.50% · 4.625%
HK$29,210
+HK$1,462/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,496/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,719 · 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).