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$13,254
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,666
−HK$419/mo
Today · 4.125%
HK$14,085
baseline
▲ 0.50% · 4.625%
HK$14,942
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,170/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,745
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,140
−HK$402/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,361
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,905
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,399
−HK$503/mo
Today · 4.125%
HK$16,902
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$1,029/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,804/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,694
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,168
−HK$482/mo
Today · 4.125%
HK$18,650
baseline
▲ 0.50% · 4.625%
HK$19,633
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,300/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,556
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,133
−HK$586/mo
Today · 4.125%
HK$19,719
baseline
▲ 0.50% · 4.625%
HK$20,919
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,438/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,643
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,196
−HK$562/mo
Today · 4.125%
HK$21,758
baseline
▲ 0.50% · 4.625%
HK$22,905
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,516/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,857
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,599
−HK$754/mo
Today · 4.125%
HK$25,353
baseline
▲ 0.50% · 4.625%
HK$26,896
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,706/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,541
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$722/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,449
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,781 · 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).