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$13,190
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,601
−HK$417/mo
Today · 4.125%
HK$14,018
baseline
▲ 0.50% · 4.625%
HK$14,871
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,036/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,674
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,068
−HK$399/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,282
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,829
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,321
−HK$500/mo
Today · 4.125%
HK$16,821
baseline
▲ 0.50% · 4.625%
HK$17,845
+HK$1,024/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,642/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,609
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$479/mo
Today · 4.125%
HK$18,560
baseline
▲ 0.50% · 4.625%
HK$19,539
+HK$979/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,120/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,467
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,041
−HK$584/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,819
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,544
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,095
−HK$559/mo
Today · 4.125%
HK$21,654
baseline
▲ 0.50% · 4.625%
HK$22,795
+HK$1,141/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,308/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,743
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,481
−HK$751/mo
Today · 4.125%
HK$25,232
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,535/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$50,464/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,414
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,122
−HK$719/mo
Today · 4.125%
HK$27,841
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,467/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$55,682/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,155 · 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).