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$13,263
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,676
−HK$419/mo
Today · 4.125%
HK$14,095
baseline
▲ 0.50% · 4.625%
HK$14,953
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,190/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,755
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,151
−HK$401/mo
Today · 4.125%
HK$15,552
baseline
▲ 0.50% · 4.625%
HK$16,372
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,104/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,916
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,411
−HK$503/mo
Today · 4.125%
HK$16,914
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,828/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,706
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,181
−HK$482/mo
Today · 4.125%
HK$18,663
baseline
▲ 0.50% · 4.625%
HK$19,647
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,326/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,569
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,146
−HK$587/mo
Today · 4.125%
HK$19,733
baseline
▲ 0.50% · 4.625%
HK$20,934
+HK$1,201/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,466/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,657
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,211
−HK$562/mo
Today · 4.125%
HK$21,773
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,148/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,546/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,874
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,617
−HK$754/mo
Today · 4.125%
HK$25,371
baseline
▲ 0.50% · 4.625%
HK$26,915
+HK$1,544/mo
Deposit HK$582K · loan HK$5.23M · min. income ≈ HK$50,742/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,559
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,272
−HK$722/mo
Today · 4.125%
HK$27,994
baseline
▲ 0.50% · 4.625%
HK$29,470
+HK$1,476/mo
Deposit HK$582K · loan HK$5.23M · min. income ≈ HK$55,988/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,873 · 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).