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$14,810
+HK$850/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$129,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,614
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,006
−HK$398/mo
Today · 4.125%
HK$15,404
baseline
▲ 0.50% · 4.625%
HK$16,216
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,808/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,764
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,254
−HK$498/mo
Today · 4.125%
HK$16,752
baseline
▲ 0.50% · 4.625%
HK$17,772
+HK$1,020/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$129,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,537
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$478/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,459
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,391
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,963
−HK$581/mo
Today · 4.125%
HK$19,544
baseline
▲ 0.50% · 4.625%
HK$20,734
+HK$1,190/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$129,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,460
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$556/mo
Today · 4.125%
HK$21,565
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,130/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,646
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,381
−HK$747/mo
Today · 4.125%
HK$25,128
baseline
▲ 0.50% · 4.625%
HK$26,657
+HK$1,529/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,256/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,306
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,011
−HK$716/mo
Today · 4.125%
HK$27,727
baseline
▲ 0.50% · 4.625%
HK$29,188
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,454/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,622 · 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).