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$13,162
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,572
−HK$416/mo
Today · 4.125%
HK$13,988
baseline
▲ 0.50% · 4.625%
HK$14,839
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,976/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,643
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,036
−HK$398/mo
Today · 4.125%
HK$15,434
baseline
▲ 0.50% · 4.625%
HK$16,248
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,868/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,795
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,286
−HK$499/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,807
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,570/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,572
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,043
−HK$478/mo
Today · 4.125%
HK$18,521
baseline
▲ 0.50% · 4.625%
HK$19,497
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,042/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,427
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$582/mo
Today · 4.125%
HK$19,583
baseline
▲ 0.50% · 4.625%
HK$20,775
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,166/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,500
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,050
−HK$558/mo
Today · 4.125%
HK$21,608
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,216/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,692
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,429
−HK$749/mo
Today · 4.125%
HK$25,178
baseline
▲ 0.50% · 4.625%
HK$26,710
+HK$1,532/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,356/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,358
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,065
−HK$717/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,464/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,879 · 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).