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$13,119
−HK$822/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$414/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$849/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,882/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,594
−HK$789/mo
▼ 0.25% · 3.875%
HK$14,986
−HK$397/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,194
+HK$811/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,766/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,742
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,232
−HK$498/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,748
+HK$1,018/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,513
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$476/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,432
+HK$973/mo
Deposit HK$2.30M · loan HK$3.45M · min. income ≈ HK$36,918/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$581/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,187/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,432
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$556/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,135/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,614
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,348
−HK$746/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,621
+HK$1,527/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,270
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$715/mo
Today · 4.125%
HK$27,689
baseline
▲ 0.50% · 4.625%
HK$29,149
+HK$1,460/mo
Deposit HK$575K · loan HK$5.18M · min. income ≈ HK$55,378/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$129,447 · 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).