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$13,166
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$416/mo
Today · 4.125%
HK$13,991
baseline
▲ 0.50% · 4.625%
HK$14,843
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,982/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,647
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$399/mo
Today · 4.125%
HK$15,438
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,876/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,799
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,290
−HK$500/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,811
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,576
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$479/mo
Today · 4.125%
HK$18,526
baseline
▲ 0.50% · 4.625%
HK$19,502
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,432
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$583/mo
Today · 4.125%
HK$19,588
baseline
▲ 0.50% · 4.625%
HK$20,780
+HK$1,192/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,176/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,505
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,055
−HK$558/mo
Today · 4.125%
HK$21,613
baseline
▲ 0.50% · 4.625%
HK$22,752
+HK$1,139/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,226/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,698
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,435
−HK$749/mo
Today · 4.125%
HK$25,184
baseline
▲ 0.50% · 4.625%
HK$26,717
+HK$1,533/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$50,368/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,364
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$717/mo
Today · 4.125%
HK$27,788
baseline
▲ 0.50% · 4.625%
HK$29,253
+HK$1,465/mo
Deposit HK$577K · loan HK$5.20M · min. income ≈ HK$55,576/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,910 · 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).