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$13,256
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,668
−HK$419/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,174/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,747
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$401/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,907
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$503/mo
Today · 4.125%
HK$16,905
baseline
▲ 0.50% · 4.625%
HK$17,933
+HK$1,028/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,810/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,697
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,171
−HK$482/mo
Today · 4.125%
HK$18,653
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,306/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,559
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,136
−HK$586/mo
Today · 4.125%
HK$19,722
baseline
▲ 0.50% · 4.625%
HK$20,922
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,444/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,646
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,200
−HK$562/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$22,909
+HK$1,147/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$130,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,861
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$754/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,900
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,545
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,257
−HK$722/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,803 · 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).