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$13,177
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,587
−HK$416/mo
Today · 4.125%
HK$14,003
baseline
▲ 0.50% · 4.625%
HK$14,855
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,006/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,659
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$399/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,266
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,812
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,304
−HK$500/mo
Today · 4.125%
HK$16,804
baseline
▲ 0.50% · 4.625%
HK$17,827
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,608/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,591
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,063
−HK$479/mo
Today · 4.125%
HK$18,542
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,084/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,022
−HK$583/mo
Today · 4.125%
HK$19,605
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,210/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,073
−HK$559/mo
Today · 4.125%
HK$21,632
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,264/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,456
−HK$750/mo
Today · 4.125%
HK$25,206
baseline
▲ 0.50% · 4.625%
HK$26,740
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,412/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,387
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,094
−HK$718/mo
Today · 4.125%
HK$27,812
baseline
▲ 0.50% · 4.625%
HK$29,278
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,624/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,023 · 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).