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$13,155
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,565
−HK$415/mo
Today · 4.125%
HK$13,980
baseline
▲ 0.50% · 4.625%
HK$14,831
+HK$851/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,960/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,635
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,028
−HK$398/mo
Today · 4.125%
HK$15,426
baseline
▲ 0.50% · 4.625%
HK$16,239
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,852/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,786
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,277
−HK$499/mo
Today · 4.125%
HK$16,776
baseline
▲ 0.50% · 4.625%
HK$17,797
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,552/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,562
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,033
−HK$478/mo
Today · 4.125%
HK$18,511
baseline
▲ 0.50% · 4.625%
HK$19,487
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,022/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,418
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,990
−HK$582/mo
Today · 4.125%
HK$19,572
baseline
▲ 0.50% · 4.625%
HK$20,763
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,144/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,489
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,039
−HK$557/mo
Today · 4.125%
HK$21,596
baseline
▲ 0.50% · 4.625%
HK$22,735
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,192/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,680
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$749/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,343
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,050
−HK$717/mo
Today · 4.125%
HK$27,767
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,534/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,809 · 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).