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$13,154
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$416/mo
Today · 4.125%
HK$13,979
baseline
▲ 0.50% · 4.625%
HK$14,829
+HK$850/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$27,958/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,634
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$398/mo
Today · 4.125%
HK$15,424
baseline
▲ 0.50% · 4.625%
HK$16,237
+HK$813/mo
Deposit HK$2.88M · loan HK$2.88M · min. income ≈ HK$30,848/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$129,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,785
−HK$989/mo
▼ 0.25% · 3.875%
HK$16,276
−HK$498/mo
Today · 4.125%
HK$16,774
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$1,021/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$33,548/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,560
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,031
−HK$478/mo
Today · 4.125%
HK$18,509
baseline
▲ 0.50% · 4.625%
HK$19,485
+HK$976/mo
Deposit HK$2.31M · loan HK$3.46M · min. income ≈ HK$37,018/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$129,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,415
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$582/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,191/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,140/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,487
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$558/mo
Today · 4.125%
HK$21,594
baseline
▲ 0.50% · 4.625%
HK$22,732
+HK$1,138/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,188/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$129,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,677
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,413
−HK$749/mo
Today · 4.125%
HK$25,162
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,531/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$50,324/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,047
−HK$716/mo
Today · 4.125%
HK$27,763
baseline
▲ 0.50% · 4.625%
HK$29,227
+HK$1,464/mo
Deposit HK$577K · loan HK$5.19M · min. income ≈ HK$55,526/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$129,794 · 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).