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$13,281
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$420/mo
Today · 4.125%
HK$14,114
baseline
▲ 0.50% · 4.625%
HK$14,973
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,228/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,775
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,172
−HK$402/mo
Today · 4.125%
HK$15,574
baseline
▲ 0.50% · 4.625%
HK$16,395
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,148/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,938
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,433
−HK$504/mo
Today · 4.125%
HK$16,937
baseline
▲ 0.50% · 4.625%
HK$17,968
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,874/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,730
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,206
−HK$482/mo
Today · 4.125%
HK$18,688
baseline
▲ 0.50% · 4.625%
HK$19,673
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,376/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,594
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,172
−HK$588/mo
Today · 4.125%
HK$19,760
baseline
▲ 0.50% · 4.625%
HK$20,962
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,520/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,686
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,240
−HK$563/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$22,952
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,906
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,650
−HK$756/mo
Today · 4.125%
HK$25,406
baseline
▲ 0.50% · 4.625%
HK$26,951
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,812/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,596
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$724/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,510
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,052 · 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).