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$13,273
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$419/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,964
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,766
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,162
−HK$402/mo
Today · 4.125%
HK$15,564
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,128/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,928
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,423
−HK$503/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,719
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$483/mo
Today · 4.125%
HK$18,677
baseline
▲ 0.50% · 4.625%
HK$19,661
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,354/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,582
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,160
−HK$587/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,949
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,672
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,227
−HK$562/mo
Today · 4.125%
HK$21,789
baseline
▲ 0.50% · 4.625%
HK$22,938
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,578/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,891
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$756/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,934
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,579
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$723/mo
Today · 4.125%
HK$28,015
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,030/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,969 · 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).