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$13,182
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,592
−HK$417/mo
Today · 4.125%
HK$14,009
baseline
▲ 0.50% · 4.625%
HK$14,861
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,018/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,665
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,058
−HK$399/mo
Today · 4.125%
HK$15,457
baseline
▲ 0.50% · 4.625%
HK$16,272
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,914/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,818
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$500/mo
Today · 4.125%
HK$16,810
baseline
▲ 0.50% · 4.625%
HK$17,833
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,620/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,598
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,070
−HK$479/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,526
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,098/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,455
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$583/mo
Today · 4.125%
HK$19,612
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,224/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,531
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$559/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,781
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,728
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,466
−HK$749/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,535/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,397
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$718/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,289
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,071 · 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).