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$13,120
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,528
−HK$414/mo
Today · 4.125%
HK$13,942
baseline
▲ 0.50% · 4.625%
HK$14,791
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,884/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,595
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,987
−HK$397/mo
Today · 4.125%
HK$15,384
baseline
▲ 0.50% · 4.625%
HK$16,195
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,768/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,743
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$498/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,749
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,462/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,514
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,984
−HK$477/mo
Today · 4.125%
HK$18,461
baseline
▲ 0.50% · 4.625%
HK$19,434
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,922/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,367
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,939
−HK$580/mo
Today · 4.125%
HK$19,519
baseline
▲ 0.50% · 4.625%
HK$20,707
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,038/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,434
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,982
−HK$556/mo
Today · 4.125%
HK$21,538
baseline
▲ 0.50% · 4.625%
HK$22,673
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,076/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,615
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,350
−HK$746/mo
Today · 4.125%
HK$25,096
baseline
▲ 0.50% · 4.625%
HK$26,623
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,192/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,272
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,976
−HK$715/mo
Today · 4.125%
HK$27,691
baseline
▲ 0.50% · 4.625%
HK$29,151
+HK$1,460/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,382/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,455 · 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).