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$13,117
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$415/mo
Today · 4.125%
HK$13,940
baseline
▲ 0.50% · 4.625%
HK$14,788
+HK$848/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,880/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,593
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$397/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,192
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,762/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,741
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,231
−HK$497/mo
Today · 4.125%
HK$16,728
baseline
▲ 0.50% · 4.625%
HK$17,746
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,456/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,981
−HK$477/mo
Today · 4.125%
HK$18,458
baseline
▲ 0.50% · 4.625%
HK$19,431
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,916/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,364
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,936
−HK$580/mo
Today · 4.125%
HK$19,516
baseline
▲ 0.50% · 4.625%
HK$20,704
+HK$1,188/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,032/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,430
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,978
−HK$556/mo
Today · 4.125%
HK$21,534
baseline
▲ 0.50% · 4.625%
HK$22,669
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,068/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,611
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,346
−HK$746/mo
Today · 4.125%
HK$25,092
baseline
▲ 0.50% · 4.625%
HK$26,619
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,184/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,267
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$715/mo
Today · 4.125%
HK$27,687
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,459/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,374/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,435 · 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).