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$13,277
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$420/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,969
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,771
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,167
−HK$402/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,390
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,933
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,429
−HK$503/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,962
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,864/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,725
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,201
−HK$482/mo
Today · 4.125%
HK$18,683
baseline
▲ 0.50% · 4.625%
HK$19,668
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,366/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$587/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$563/mo
Today · 4.125%
HK$21,797
baseline
▲ 0.50% · 4.625%
HK$22,946
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,594/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,643
−HK$755/mo
Today · 4.125%
HK$25,398
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,796/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,588
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$723/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,013 · 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).