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$13,140
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,549
−HK$415/mo
Today · 4.125%
HK$13,964
baseline
▲ 0.50% · 4.625%
HK$14,814
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,928/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,619
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$397/mo
Today · 4.125%
HK$15,408
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,816/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,768
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,259
−HK$498/mo
Today · 4.125%
HK$16,757
baseline
▲ 0.50% · 4.625%
HK$17,777
+HK$1,020/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,514/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,542
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$477/mo
Today · 4.125%
HK$18,490
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$975/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$36,980/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,397
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,969
−HK$581/mo
Today · 4.125%
HK$19,550
baseline
▲ 0.50% · 4.625%
HK$20,740
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,100/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,466
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,015
−HK$557/mo
Today · 4.125%
HK$21,572
baseline
▲ 0.50% · 4.625%
HK$22,709
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,144/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,653
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,388
−HK$748/mo
Today · 4.125%
HK$25,136
baseline
▲ 0.50% · 4.625%
HK$26,665
+HK$1,529/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,272/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,313
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,019
−HK$716/mo
Today · 4.125%
HK$27,735
baseline
▲ 0.50% · 4.625%
HK$29,197
+HK$1,462/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,470/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,661 · 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).