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$13,166
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,576
−HK$416/mo
Today · 4.125%
HK$13,992
baseline
▲ 0.50% · 4.625%
HK$14,843
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,984/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,647
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,040
−HK$399/mo
Today · 4.125%
HK$15,439
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$813/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,878/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,799
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,291
−HK$499/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,812
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,577
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,048
−HK$478/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,503
+HK$977/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,006
−HK$583/mo
Today · 4.125%
HK$19,589
baseline
▲ 0.50% · 4.625%
HK$20,780
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,178/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,506
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,056
−HK$558/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,753
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,228/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,699
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,436
−HK$749/mo
Today · 4.125%
HK$25,185
baseline
▲ 0.50% · 4.625%
HK$26,718
+HK$1,533/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,370/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,072
−HK$718/mo
Today · 4.125%
HK$27,790
baseline
▲ 0.50% · 4.625%
HK$29,254
+HK$1,464/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,580/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,915 · 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).