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$13,271
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,684
−HK$419/mo
Today · 4.125%
HK$14,103
baseline
▲ 0.50% · 4.625%
HK$14,961
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,206/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,764
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$402/mo
Today · 4.125%
HK$15,561
baseline
▲ 0.50% · 4.625%
HK$16,381
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,122/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,925
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,420
−HK$503/mo
Today · 4.125%
HK$16,923
baseline
▲ 0.50% · 4.625%
HK$17,953
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,846/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,716
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,191
−HK$482/mo
Today · 4.125%
HK$18,673
baseline
▲ 0.50% · 4.625%
HK$19,658
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,346/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,579
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,157
−HK$587/mo
Today · 4.125%
HK$19,744
baseline
▲ 0.50% · 4.625%
HK$20,945
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,488/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,669
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,223
−HK$563/mo
Today · 4.125%
HK$21,786
baseline
▲ 0.50% · 4.625%
HK$22,934
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,572/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,887
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,630
−HK$755/mo
Today · 4.125%
HK$25,385
baseline
▲ 0.50% · 4.625%
HK$26,930
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,770/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,574
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,287
−HK$723/mo
Today · 4.125%
HK$28,010
baseline
▲ 0.50% · 4.625%
HK$29,487
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,020/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,947 · 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).