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$13,267
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$419/mo
Today · 4.125%
HK$14,099
baseline
▲ 0.50% · 4.625%
HK$14,957
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,198/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,759
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,155
−HK$402/mo
Today · 4.125%
HK$15,557
baseline
▲ 0.50% · 4.625%
HK$16,377
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,114/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,920
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,416
−HK$503/mo
Today · 4.125%
HK$16,919
baseline
▲ 0.50% · 4.625%
HK$17,948
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,838/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,711
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$482/mo
Today · 4.125%
HK$18,668
baseline
▲ 0.50% · 4.625%
HK$19,652
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,336/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$587/mo
Today · 4.125%
HK$19,738
baseline
▲ 0.50% · 4.625%
HK$20,939
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,476/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,663
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$562/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$22,927
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,880
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,623
−HK$755/mo
Today · 4.125%
HK$25,378
baseline
▲ 0.50% · 4.625%
HK$26,922
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,756/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,567
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,279
−HK$723/mo
Today · 4.125%
HK$28,002
baseline
▲ 0.50% · 4.625%
HK$29,478
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,004/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,909 · 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).