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$13,164
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$416/mo
Today · 4.125%
HK$13,989
baseline
▲ 0.50% · 4.625%
HK$14,840
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,978/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,644
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,037
−HK$399/mo
Today · 4.125%
HK$15,436
baseline
▲ 0.50% · 4.625%
HK$16,249
+HK$813/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,872/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,796
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$499/mo
Today · 4.125%
HK$16,787
baseline
▲ 0.50% · 4.625%
HK$17,808
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,574/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,573
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$479/mo
Today · 4.125%
HK$18,523
baseline
▲ 0.50% · 4.625%
HK$19,499
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,046/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,429
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,002
−HK$583/mo
Today · 4.125%
HK$19,585
baseline
▲ 0.50% · 4.625%
HK$20,776
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,170/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,502
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,052
−HK$558/mo
Today · 4.125%
HK$21,610
baseline
▲ 0.50% · 4.625%
HK$22,749
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,220/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,694
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,431
−HK$749/mo
Today · 4.125%
HK$25,180
baseline
▲ 0.50% · 4.625%
HK$26,712
+HK$1,532/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,360/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,360
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,067
−HK$717/mo
Today · 4.125%
HK$27,784
baseline
▲ 0.50% · 4.625%
HK$29,248
+HK$1,464/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,568/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,889 · 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).