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$13,139
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,548
−HK$415/mo
Today · 4.125%
HK$13,963
baseline
▲ 0.50% · 4.625%
HK$14,813
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,926/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,617
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,009
−HK$398/mo
Today · 4.125%
HK$15,407
baseline
▲ 0.50% · 4.625%
HK$16,219
+HK$812/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,814/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,767
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$499/mo
Today · 4.125%
HK$16,756
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$1,019/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$33,512/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,541
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$477/mo
Today · 4.125%
HK$18,488
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$975/mo
Deposit HK$2.30M · loan HK$3.46M · min. income ≈ HK$36,976/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$129,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,967
−HK$581/mo
Today · 4.125%
HK$19,548
baseline
▲ 0.50% · 4.625%
HK$20,738
+HK$1,190/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$39,096/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,464
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,013
−HK$557/mo
Today · 4.125%
HK$21,570
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,137/mo
Deposit HK$1.73M · loan HK$4.03M · min. income ≈ HK$43,140/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,650
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$747/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,663
+HK$1,530/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,311
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$716/mo
Today · 4.125%
HK$27,732
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,462/mo
Deposit HK$576K · loan HK$5.19M · min. income ≈ HK$55,464/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$129,648 · 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).