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$13,187
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,597
−HK$417/mo
Today · 4.125%
HK$14,014
baseline
▲ 0.50% · 4.625%
HK$14,867
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,028/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,670
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,064
−HK$399/mo
Today · 4.125%
HK$15,463
baseline
▲ 0.50% · 4.625%
HK$16,278
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,926/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,824
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,317
−HK$500/mo
Today · 4.125%
HK$16,817
baseline
▲ 0.50% · 4.625%
HK$17,840
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,634/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,604
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$479/mo
Today · 4.125%
HK$18,556
baseline
▲ 0.50% · 4.625%
HK$19,534
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,112/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,036
−HK$583/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,813
+HK$1,194/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,539
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,089
−HK$559/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,789
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,737
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,475
−HK$750/mo
Today · 4.125%
HK$25,225
baseline
▲ 0.50% · 4.625%
HK$26,760
+HK$1,535/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,450/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,407
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$718/mo
Today · 4.125%
HK$27,833
baseline
▲ 0.50% · 4.625%
HK$29,300
+HK$1,467/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,666/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,120 · 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).