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$13,180
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,590
−HK$416/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,858
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,012/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,662
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$399/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,269
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,910/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,816
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,308
−HK$499/mo
Today · 4.125%
HK$16,807
baseline
▲ 0.50% · 4.625%
HK$17,830
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,614/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,595
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,067
−HK$478/mo
Today · 4.125%
HK$18,545
baseline
▲ 0.50% · 4.625%
HK$19,523
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,090/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,452
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,026
−HK$583/mo
Today · 4.125%
HK$19,609
baseline
▲ 0.50% · 4.625%
HK$20,802
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,218/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,527
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,078
−HK$558/mo
Today · 4.125%
HK$21,636
baseline
▲ 0.50% · 4.625%
HK$22,777
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,272/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,724
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,461
−HK$750/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,745
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,100
−HK$718/mo
Today · 4.125%
HK$27,818
baseline
▲ 0.50% · 4.625%
HK$29,284
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,636/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,049 · 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).