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$13,280
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,693
−HK$419/mo
Today · 4.125%
HK$14,112
baseline
▲ 0.50% · 4.625%
HK$14,971
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,224/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,170
−HK$402/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,392
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,936
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,431
−HK$504/mo
Today · 4.125%
HK$16,935
baseline
▲ 0.50% · 4.625%
HK$17,965
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,870/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,728
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,204
−HK$482/mo
Today · 4.125%
HK$18,686
baseline
▲ 0.50% · 4.625%
HK$19,671
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,372/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,591
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,170
−HK$587/mo
Today · 4.125%
HK$19,757
baseline
▲ 0.50% · 4.625%
HK$20,959
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,514/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,683
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,237
−HK$563/mo
Today · 4.125%
HK$21,800
baseline
▲ 0.50% · 4.625%
HK$22,949
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,600/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,903
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,647
−HK$755/mo
Today · 4.125%
HK$25,402
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,546/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,804/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,592
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,305
−HK$724/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,506
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,034 · 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).