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$13,172
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,582
−HK$416/mo
Today · 4.125%
HK$13,998
baseline
▲ 0.50% · 4.625%
HK$14,850
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,996/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,654
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,047
−HK$399/mo
Today · 4.125%
HK$15,446
baseline
▲ 0.50% · 4.625%
HK$16,260
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,892/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,807
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$500/mo
Today · 4.125%
HK$16,798
baseline
▲ 0.50% · 4.625%
HK$17,820
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,596/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,585
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,056
−HK$479/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,512
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,070/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,441
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,015
−HK$583/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,790
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,516
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$558/mo
Today · 4.125%
HK$21,624
baseline
▲ 0.50% · 4.625%
HK$22,764
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,248/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,710
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$749/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,730
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,377
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$717/mo
Today · 4.125%
HK$27,802
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,604/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$129,976 · 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).