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$13,151
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,560
−HK$415/mo
Today · 4.125%
HK$13,975
baseline
▲ 0.50% · 4.625%
HK$14,826
+HK$851/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,950/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,630
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,022
−HK$398/mo
Today · 4.125%
HK$15,420
baseline
▲ 0.50% · 4.625%
HK$16,233
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,840/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,781
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$498/mo
Today · 4.125%
HK$16,770
baseline
▲ 0.50% · 4.625%
HK$17,791
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,540/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,556
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$477/mo
Today · 4.125%
HK$18,504
baseline
▲ 0.50% · 4.625%
HK$19,480
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,008/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,411
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,983
−HK$582/mo
Today · 4.125%
HK$19,565
baseline
▲ 0.50% · 4.625%
HK$20,756
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,130/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,482
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,031
−HK$557/mo
Today · 4.125%
HK$21,588
baseline
▲ 0.50% · 4.625%
HK$22,726
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,176/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,671
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$748/mo
Today · 4.125%
HK$25,155
baseline
▲ 0.50% · 4.625%
HK$26,686
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,310/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,334
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,040
−HK$716/mo
Today · 4.125%
HK$27,756
baseline
▲ 0.50% · 4.625%
HK$29,220
+HK$1,464/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,512/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,761 · 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).