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$13,257
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,669
−HK$419/mo
Today · 4.125%
HK$14,088
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,176/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,748
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$402/mo
Today · 4.125%
HK$15,545
baseline
▲ 0.50% · 4.625%
HK$16,364
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,090/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,908
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,403
−HK$503/mo
Today · 4.125%
HK$16,906
baseline
▲ 0.50% · 4.625%
HK$17,934
+HK$1,028/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,812/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,697
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,172
−HK$482/mo
Today · 4.125%
HK$18,654
baseline
▲ 0.50% · 4.625%
HK$19,637
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,308/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,559
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,137
−HK$586/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,923
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,647
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,201
−HK$561/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$22,910
+HK$1,148/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,524/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,862
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,604
−HK$754/mo
Today · 4.125%
HK$25,358
baseline
▲ 0.50% · 4.625%
HK$26,901
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,716/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,546
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,258
−HK$722/mo
Today · 4.125%
HK$27,980
baseline
▲ 0.50% · 4.625%
HK$29,455
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,960/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,808 · 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).