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$13,201
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,611
−HK$418/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,882
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,058/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,686
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$399/mo
Today · 4.125%
HK$15,479
baseline
▲ 0.50% · 4.625%
HK$16,295
+HK$816/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,958/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,841
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,334
−HK$500/mo
Today · 4.125%
HK$16,834
baseline
▲ 0.50% · 4.625%
HK$17,859
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,668/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,623
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,095
−HK$480/mo
Today · 4.125%
HK$18,575
baseline
▲ 0.50% · 4.625%
HK$19,554
+HK$979/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,150/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,481
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,056
−HK$584/mo
Today · 4.125%
HK$19,640
baseline
▲ 0.50% · 4.625%
HK$20,835
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,280/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,560
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,111
−HK$560/mo
Today · 4.125%
HK$21,671
baseline
▲ 0.50% · 4.625%
HK$22,813
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,342/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,761
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,500
−HK$751/mo
Today · 4.125%
HK$25,251
baseline
▲ 0.50% · 4.625%
HK$26,788
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,502/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,434
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,143
−HK$719/mo
Today · 4.125%
HK$27,862
baseline
▲ 0.50% · 4.625%
HK$29,331
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,724/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,256 · 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).