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$13,196
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$418/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,877
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,048/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,680
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,074
−HK$400/mo
Today · 4.125%
HK$15,474
baseline
▲ 0.50% · 4.625%
HK$16,289
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,948/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,835
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,328
−HK$500/mo
Today · 4.125%
HK$16,828
baseline
▲ 0.50% · 4.625%
HK$17,852
+HK$1,024/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,656/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,616
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,089
−HK$479/mo
Today · 4.125%
HK$18,568
baseline
▲ 0.50% · 4.625%
HK$19,547
+HK$979/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,136/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,474
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,049
−HK$584/mo
Today · 4.125%
HK$19,633
baseline
▲ 0.50% · 4.625%
HK$20,828
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,266/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,553
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,104
−HK$559/mo
Today · 4.125%
HK$21,663
baseline
▲ 0.50% · 4.625%
HK$22,805
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,326/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,753
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,492
−HK$750/mo
Today · 4.125%
HK$25,242
baseline
▲ 0.50% · 4.625%
HK$26,778
+HK$1,536/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,484/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,425
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$719/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,321
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,210 · 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).