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$13,172
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,582
−HK$416/mo
Today · 4.125%
HK$13,998
baseline
▲ 0.50% · 4.625%
HK$14,850
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,996/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,654
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,047
−HK$398/mo
Today · 4.125%
HK$15,445
baseline
▲ 0.50% · 4.625%
HK$16,259
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,890/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,806
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$499/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,819
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,056
−HK$478/mo
Today · 4.125%
HK$18,534
baseline
▲ 0.50% · 4.625%
HK$19,511
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,068/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,441
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$583/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,789
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,515
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,065
−HK$558/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,709
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$749/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,729
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,084
−HK$717/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,267
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,971 · 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).