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$13,186
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,597
−HK$416/mo
Today · 4.125%
HK$14,013
baseline
▲ 0.50% · 4.625%
HK$14,866
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,026/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,670
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,063
−HK$399/mo
Today · 4.125%
HK$15,462
baseline
▲ 0.50% · 4.625%
HK$16,277
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,924/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,824
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,316
−HK$500/mo
Today · 4.125%
HK$16,816
baseline
▲ 0.50% · 4.625%
HK$17,839
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,632/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,604
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$479/mo
Today · 4.125%
HK$18,555
baseline
▲ 0.50% · 4.625%
HK$19,533
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,110/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$584/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,538
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$559/mo
Today · 4.125%
HK$21,647
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,294/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,735
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,474
−HK$750/mo
Today · 4.125%
HK$25,224
baseline
▲ 0.50% · 4.625%
HK$26,759
+HK$1,535/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,448/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,405
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,114
−HK$718/mo
Today · 4.125%
HK$27,832
baseline
▲ 0.50% · 4.625%
HK$29,299
+HK$1,467/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,664/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,114 · 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).