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$13,189
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,600
−HK$417/mo
Today · 4.125%
HK$14,017
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,034/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,673
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,067
−HK$399/mo
Today · 4.125%
HK$15,466
baseline
▲ 0.50% · 4.625%
HK$16,281
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,932/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,827
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,320
−HK$500/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,640/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,608
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$479/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,537
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$583/mo
Today · 4.125%
HK$19,623
baseline
▲ 0.50% · 4.625%
HK$20,817
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,246/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,542
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,093
−HK$559/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,741
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,480
−HK$750/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,765
+HK$1,535/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,412
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,120
−HK$719/mo
Today · 4.125%
HK$27,839
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,467/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$55,678/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,145 · 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).