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$13,195
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,605
−HK$417/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,875
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,044/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,679
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$399/mo
Today · 4.125%
HK$15,472
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,944/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,326
−HK$500/mo
Today · 4.125%
HK$16,826
baseline
▲ 0.50% · 4.625%
HK$17,850
+HK$1,024/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,652/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,615
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$479/mo
Today · 4.125%
HK$18,566
baseline
▲ 0.50% · 4.625%
HK$19,545
+HK$979/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,132/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,472
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,047
−HK$584/mo
Today · 4.125%
HK$19,631
baseline
▲ 0.50% · 4.625%
HK$20,825
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,262/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,550
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,102
−HK$559/mo
Today · 4.125%
HK$21,661
baseline
▲ 0.50% · 4.625%
HK$22,802
+HK$1,141/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,322/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,750
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,489
−HK$751/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,775
+HK$1,535/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,422
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$718/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,468/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,196 · 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).