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$13,185
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$416/mo
Today · 4.125%
HK$14,011
baseline
▲ 0.50% · 4.625%
HK$14,864
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,022/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,668
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,061
−HK$399/mo
Today · 4.125%
HK$15,460
baseline
▲ 0.50% · 4.625%
HK$16,275
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,920/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,821
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$500/mo
Today · 4.125%
HK$16,814
baseline
▲ 0.50% · 4.625%
HK$17,837
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,628/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,601
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,073
−HK$479/mo
Today · 4.125%
HK$18,552
baseline
▲ 0.50% · 4.625%
HK$19,530
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,104/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,458
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$583/mo
Today · 4.125%
HK$19,616
baseline
▲ 0.50% · 4.625%
HK$20,809
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,232/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,535
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$558/mo
Today · 4.125%
HK$21,644
baseline
▲ 0.50% · 4.625%
HK$22,785
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,288/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,732
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,470
−HK$750/mo
Today · 4.125%
HK$25,220
baseline
▲ 0.50% · 4.625%
HK$26,755
+HK$1,535/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,440/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,402
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,110
−HK$718/mo
Today · 4.125%
HK$27,828
baseline
▲ 0.50% · 4.625%
HK$29,295
+HK$1,467/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,656/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,097 · 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).