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$13,185
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$417/mo
Today · 4.125%
HK$14,012
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,024/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,668
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,062
−HK$399/mo
Today · 4.125%
HK$15,461
baseline
▲ 0.50% · 4.625%
HK$16,276
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,922/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,822
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,314
−HK$500/mo
Today · 4.125%
HK$16,814
baseline
▲ 0.50% · 4.625%
HK$17,837
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,628/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,602
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$479/mo
Today · 4.125%
HK$18,553
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,106/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,459
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$584/mo
Today · 4.125%
HK$19,617
baseline
▲ 0.50% · 4.625%
HK$20,810
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,234/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,536
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$559/mo
Today · 4.125%
HK$21,645
baseline
▲ 0.50% · 4.625%
HK$22,786
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,290/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,733
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,471
−HK$750/mo
Today · 4.125%
HK$25,221
baseline
▲ 0.50% · 4.625%
HK$26,756
+HK$1,535/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,442/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,403
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,111
−HK$718/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,296
+HK$1,467/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,102 · 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).