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$13,170
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$416/mo
Today · 4.125%
HK$13,996
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,992/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$399/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,888/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,805
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,296
−HK$500/mo
Today · 4.125%
HK$16,796
baseline
▲ 0.50% · 4.625%
HK$17,818
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,592/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,582
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$478/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,509
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,439
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,012
−HK$583/mo
Today · 4.125%
HK$19,595
baseline
▲ 0.50% · 4.625%
HK$20,787
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,190/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,513
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,063
−HK$558/mo
Today · 4.125%
HK$21,621
baseline
▲ 0.50% · 4.625%
HK$22,761
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,242/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,707
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,444
−HK$749/mo
Today · 4.125%
HK$25,193
baseline
▲ 0.50% · 4.625%
HK$26,726
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,386/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,374
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,081
−HK$717/mo
Today · 4.125%
HK$27,798
baseline
▲ 0.50% · 4.625%
HK$29,264
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,596/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,957 · 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).