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$13,136
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,545
−HK$415/mo
Today · 4.125%
HK$13,960
baseline
▲ 0.50% · 4.625%
HK$14,809
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,920/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,614
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,006
−HK$397/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,215
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,806/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,763
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,253
−HK$499/mo
Today · 4.125%
HK$16,752
baseline
▲ 0.50% · 4.625%
HK$17,771
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,504/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,536
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$477/mo
Today · 4.125%
HK$18,484
baseline
▲ 0.50% · 4.625%
HK$19,458
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,968/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,390
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,962
−HK$582/mo
Today · 4.125%
HK$19,544
baseline
▲ 0.50% · 4.625%
HK$20,733
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,088/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,459
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$556/mo
Today · 4.125%
HK$21,564
baseline
▲ 0.50% · 4.625%
HK$22,701
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,128/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,645
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,380
−HK$747/mo
Today · 4.125%
HK$25,127
baseline
▲ 0.50% · 4.625%
HK$26,656
+HK$1,529/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,254/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,304
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,010
−HK$716/mo
Today · 4.125%
HK$27,726
baseline
▲ 0.50% · 4.625%
HK$29,187
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,452/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,617 · 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).