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$13,134
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,542
−HK$415/mo
Today · 4.125%
HK$13,957
baseline
▲ 0.50% · 4.625%
HK$14,807
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,914/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,611
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,003
−HK$398/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,212
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,802/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,761
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,251
−HK$498/mo
Today · 4.125%
HK$16,749
baseline
▲ 0.50% · 4.625%
HK$17,768
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,498/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,533
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,004
−HK$477/mo
Today · 4.125%
HK$18,481
baseline
▲ 0.50% · 4.625%
HK$19,455
+HK$974/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,962/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,387
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,959
−HK$581/mo
Today · 4.125%
HK$19,540
baseline
▲ 0.50% · 4.625%
HK$20,729
+HK$1,189/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,080/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,456
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,004
−HK$557/mo
Today · 4.125%
HK$21,561
baseline
▲ 0.50% · 4.625%
HK$22,697
+HK$1,136/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,122/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,376
−HK$747/mo
Today · 4.125%
HK$25,123
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,529/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$50,246/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,300
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,006
−HK$715/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,182
+HK$1,461/mo
Deposit HK$576K · loan HK$5.18M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,596 · 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).