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$13,191
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,602
−HK$416/mo
Today · 4.125%
HK$14,018
baseline
▲ 0.50% · 4.625%
HK$14,871
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,036/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,675
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,069
−HK$399/mo
Today · 4.125%
HK$15,468
baseline
▲ 0.50% · 4.625%
HK$16,283
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,936/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,829
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$500/mo
Today · 4.125%
HK$16,822
baseline
▲ 0.50% · 4.625%
HK$17,846
+HK$1,024/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,644/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,610
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,082
−HK$479/mo
Today · 4.125%
HK$18,561
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$979/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,122/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,468
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$584/mo
Today · 4.125%
HK$19,626
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,252/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,545
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,096
−HK$559/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,797
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,744
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,483
−HK$750/mo
Today · 4.125%
HK$25,233
baseline
▲ 0.50% · 4.625%
HK$26,768
+HK$1,535/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$50,466/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,415
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,124
−HK$718/mo
Today · 4.125%
HK$27,842
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,468/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$55,684/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,162 · 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).