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$13,266
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$419/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,759
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,154
−HK$402/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,112/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,919
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,415
−HK$503/mo
Today · 4.125%
HK$16,918
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,836/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,710
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$482/mo
Today · 4.125%
HK$18,667
baseline
▲ 0.50% · 4.625%
HK$19,651
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,334/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,573
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,150
−HK$587/mo
Today · 4.125%
HK$19,737
baseline
▲ 0.50% · 4.625%
HK$20,938
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,474/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,662
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,216
−HK$562/mo
Today · 4.125%
HK$21,778
baseline
▲ 0.50% · 4.625%
HK$22,926
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,556/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$755/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,921
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,565
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,278
−HK$723/mo
Today · 4.125%
HK$28,001
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,475/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,002/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,902 · 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).