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$13,188
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$417/mo
Today · 4.125%
HK$14,015
baseline
▲ 0.50% · 4.625%
HK$14,868
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,030/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,671
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,065
−HK$399/mo
Today · 4.125%
HK$15,464
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,928/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,825
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,318
−HK$500/mo
Today · 4.125%
HK$16,818
baseline
▲ 0.50% · 4.625%
HK$17,841
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,636/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,606
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,078
−HK$479/mo
Today · 4.125%
HK$18,557
baseline
▲ 0.50% · 4.625%
HK$19,535
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,114/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,463
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,037
−HK$584/mo
Today · 4.125%
HK$19,621
baseline
▲ 0.50% · 4.625%
HK$20,815
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,242/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,540
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,091
−HK$559/mo
Today · 4.125%
HK$21,650
baseline
▲ 0.50% · 4.625%
HK$22,791
+HK$1,141/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,300/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,738
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,476
−HK$751/mo
Today · 4.125%
HK$25,227
baseline
▲ 0.50% · 4.625%
HK$26,762
+HK$1,535/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$50,454/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,408
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,117
−HK$718/mo
Today · 4.125%
HK$27,835
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,467/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$55,670/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,129 · 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).