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$13,122
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,531
−HK$414/mo
Today · 4.125%
HK$13,945
baseline
▲ 0.50% · 4.625%
HK$14,794
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,890/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,599
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,990
−HK$397/mo
Today · 4.125%
HK$15,387
baseline
▲ 0.50% · 4.625%
HK$16,198
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,774/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,747
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,237
−HK$497/mo
Today · 4.125%
HK$16,734
baseline
▲ 0.50% · 4.625%
HK$17,753
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,468/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,518
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,988
−HK$477/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,438
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,930/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,943
−HK$580/mo
Today · 4.125%
HK$19,523
baseline
▲ 0.50% · 4.625%
HK$20,711
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,046/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,438
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,986
−HK$556/mo
Today · 4.125%
HK$21,542
baseline
▲ 0.50% · 4.625%
HK$22,678
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,084/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,620
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$746/mo
Today · 4.125%
HK$25,101
baseline
▲ 0.50% · 4.625%
HK$26,629
+HK$1,528/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,202/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,277
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$715/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,460/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,483 · 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).