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$13,161
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,570
−HK$416/mo
Today · 4.125%
HK$13,986
baseline
▲ 0.50% · 4.625%
HK$14,837
+HK$851/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,972/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,641
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,034
−HK$398/mo
Today · 4.125%
HK$15,432
baseline
▲ 0.50% · 4.625%
HK$16,246
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,864/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,793
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,284
−HK$499/mo
Today · 4.125%
HK$16,783
baseline
▲ 0.50% · 4.625%
HK$17,805
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,566/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,570
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$478/mo
Today · 4.125%
HK$18,519
baseline
▲ 0.50% · 4.625%
HK$19,495
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,038/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,425
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$18,998
−HK$583/mo
Today · 4.125%
HK$19,581
baseline
▲ 0.50% · 4.625%
HK$20,772
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,162/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,498
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,048
−HK$557/mo
Today · 4.125%
HK$21,605
baseline
▲ 0.50% · 4.625%
HK$22,744
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,210/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,689
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,426
−HK$749/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,532/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,354
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$717/mo
Today · 4.125%
HK$27,778
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,464/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,556/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,862 · 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).