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$13,170
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,579
−HK$416/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$27,990/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,651
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$398/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,256
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,884/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,803
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,295
−HK$499/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,816
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,588/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,581
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$478/mo
Today · 4.125%
HK$18,531
baseline
▲ 0.50% · 4.625%
HK$19,508
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,062/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,437
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,011
−HK$582/mo
Today · 4.125%
HK$19,593
baseline
▲ 0.50% · 4.625%
HK$20,786
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,186/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,511
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,061
−HK$558/mo
Today · 4.125%
HK$21,619
baseline
▲ 0.50% · 4.625%
HK$22,759
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,238/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,705
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$750/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,724
+HK$1,532/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,079
−HK$717/mo
Today · 4.125%
HK$27,796
baseline
▲ 0.50% · 4.625%
HK$29,262
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,592/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,948 · 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).