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$13,253
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$419/mo
Today · 4.125%
HK$14,084
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,168/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,744
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$402/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,360
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,082/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,904
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,398
−HK$503/mo
Today · 4.125%
HK$16,901
baseline
▲ 0.50% · 4.625%
HK$17,929
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,802/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,693
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,167
−HK$482/mo
Today · 4.125%
HK$18,649
baseline
▲ 0.50% · 4.625%
HK$19,632
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,298/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,554
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,132
−HK$586/mo
Today · 4.125%
HK$19,718
baseline
▲ 0.50% · 4.625%
HK$20,918
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,436/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,642
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,195
−HK$562/mo
Today · 4.125%
HK$21,757
baseline
▲ 0.50% · 4.625%
HK$22,904
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,514/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,856
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$754/mo
Today · 4.125%
HK$25,352
baseline
▲ 0.50% · 4.625%
HK$26,894
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,704/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,539
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,251
−HK$722/mo
Today · 4.125%
HK$27,973
baseline
▲ 0.50% · 4.625%
HK$29,448
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,946/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,773 · 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).