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$13,117
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$414/mo
Today · 4.125%
HK$13,939
baseline
▲ 0.50% · 4.625%
HK$14,788
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,878/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,592
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$397/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,191
+HK$810/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,762/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,740
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,230
−HK$497/mo
Today · 4.125%
HK$16,727
baseline
▲ 0.50% · 4.625%
HK$17,745
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,454/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,511
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,980
−HK$477/mo
Today · 4.125%
HK$18,457
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,914/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,364
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,935
−HK$580/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,703
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,429
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$556/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,610
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,345
−HK$746/mo
Today · 4.125%
HK$25,091
baseline
▲ 0.50% · 4.625%
HK$26,618
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,182/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,266
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,971
−HK$714/mo
Today · 4.125%
HK$27,685
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,460/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,370/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,428 · 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).