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$13,184
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,594
−HK$416/mo
Today · 4.125%
HK$14,010
baseline
▲ 0.50% · 4.625%
HK$14,863
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,020/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,667
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,060
−HK$399/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,274
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,918/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,820
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$500/mo
Today · 4.125%
HK$16,812
baseline
▲ 0.50% · 4.625%
HK$17,835
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,624/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,600
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,072
−HK$479/mo
Today · 4.125%
HK$18,551
baseline
▲ 0.50% · 4.625%
HK$19,529
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,102/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,457
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,031
−HK$583/mo
Today · 4.125%
HK$19,614
baseline
▲ 0.50% · 4.625%
HK$20,808
+HK$1,194/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,228/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,533
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,084
−HK$558/mo
Today · 4.125%
HK$21,642
baseline
▲ 0.50% · 4.625%
HK$22,783
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,284/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,730
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$750/mo
Today · 4.125%
HK$25,218
baseline
▲ 0.50% · 4.625%
HK$26,753
+HK$1,535/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,436/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,400
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,108
−HK$718/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,293
+HK$1,467/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,086 · 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).