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$831/mo
▼ 0.25% · 3.875%
HK$13,670
−HK$419/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,946
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,178/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,749
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,144
−HK$402/mo
Today · 4.125%
HK$15,546
baseline
▲ 0.50% · 4.625%
HK$16,365
+HK$819/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$130,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,909
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,404
−HK$503/mo
Today · 4.125%
HK$16,907
baseline
▲ 0.50% · 4.625%
HK$17,935
+HK$1,028/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$130,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,699
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,173
−HK$482/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,638
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,561
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,138
−HK$586/mo
Today · 4.125%
HK$19,724
baseline
▲ 0.50% · 4.625%
HK$20,925
+HK$1,201/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,448/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,648
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,202
−HK$562/mo
Today · 4.125%
HK$21,764
baseline
▲ 0.50% · 4.625%
HK$22,911
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,528/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,864
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,606
−HK$754/mo
Today · 4.125%
HK$25,360
baseline
▲ 0.50% · 4.625%
HK$26,903
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,720/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,548
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,260
−HK$722/mo
Today · 4.125%
HK$27,982
baseline
▲ 0.50% · 4.625%
HK$29,457
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,964/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,817 · 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).