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$13,258
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$419/mo
Today · 4.125%
HK$14,090
baseline
▲ 0.50% · 4.625%
HK$14,947
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,180/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,750
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,145
−HK$401/mo
Today · 4.125%
HK$15,546
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,092/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,910
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,405
−HK$502/mo
Today · 4.125%
HK$16,907
baseline
▲ 0.50% · 4.625%
HK$17,936
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,814/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,700
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,174
−HK$482/mo
Today · 4.125%
HK$18,656
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,312/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,561
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,139
−HK$586/mo
Today · 4.125%
HK$19,725
baseline
▲ 0.50% · 4.625%
HK$20,926
+HK$1,201/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,450/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,649
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,203
−HK$562/mo
Today · 4.125%
HK$21,765
baseline
▲ 0.50% · 4.625%
HK$22,912
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,530/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,865
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,607
−HK$754/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,904
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,261
−HK$723/mo
Today · 4.125%
HK$27,984
baseline
▲ 0.50% · 4.625%
HK$29,459
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,968/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,823 · 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).