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$13,202
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,613
−HK$417/mo
Today · 4.125%
HK$14,030
baseline
▲ 0.50% · 4.625%
HK$14,884
+HK$854/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,060/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,687
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,081
−HK$400/mo
Today · 4.125%
HK$15,481
baseline
▲ 0.50% · 4.625%
HK$16,297
+HK$816/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,962/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,843
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,335
−HK$501/mo
Today · 4.125%
HK$16,836
baseline
▲ 0.50% · 4.625%
HK$17,861
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,672/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,625
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,097
−HK$480/mo
Today · 4.125%
HK$18,577
baseline
▲ 0.50% · 4.625%
HK$19,556
+HK$979/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,154/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,483
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,058
−HK$584/mo
Today · 4.125%
HK$19,642
baseline
▲ 0.50% · 4.625%
HK$20,837
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,284/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,562
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,114
−HK$559/mo
Today · 4.125%
HK$21,673
baseline
▲ 0.50% · 4.625%
HK$22,816
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,346/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,764
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,503
−HK$751/mo
Today · 4.125%
HK$25,254
baseline
▲ 0.50% · 4.625%
HK$26,791
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,508/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,437
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,146
−HK$720/mo
Today · 4.125%
HK$27,866
baseline
▲ 0.50% · 4.625%
HK$29,334
+HK$1,468/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,732/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,271 · 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).