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$825/mo
▼ 0.25% · 3.875%
HK$13,560
−HK$416/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,826
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,952/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,631
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$398/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,234
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,842/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,781
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,272
−HK$499/mo
Today · 4.125%
HK$16,771
baseline
▲ 0.50% · 4.625%
HK$17,792
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,542/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,557
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,028
−HK$477/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,481
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,412
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,984
−HK$582/mo
Today · 4.125%
HK$19,566
baseline
▲ 0.50% · 4.625%
HK$20,757
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,132/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,483
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,032
−HK$557/mo
Today · 4.125%
HK$21,589
baseline
▲ 0.50% · 4.625%
HK$22,727
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,178/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,672
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$748/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,530/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,335
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,041
−HK$717/mo
Today · 4.125%
HK$27,758
baseline
▲ 0.50% · 4.625%
HK$29,221
+HK$1,463/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,516/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,768 · 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).