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$13,198
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,608
−HK$417/mo
Today · 4.125%
HK$14,025
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$854/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,050/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,682
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,076
−HK$399/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$816/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,950/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,837
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,330
−HK$500/mo
Today · 4.125%
HK$16,830
baseline
▲ 0.50% · 4.625%
HK$17,854
+HK$1,024/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,660/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,619
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$480/mo
Today · 4.125%
HK$18,571
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$978/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,142/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,477
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,051
−HK$584/mo
Today · 4.125%
HK$19,635
baseline
▲ 0.50% · 4.625%
HK$20,830
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,270/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,555
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,106
−HK$560/mo
Today · 4.125%
HK$21,666
baseline
▲ 0.50% · 4.625%
HK$22,808
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,332/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,756
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,495
−HK$750/mo
Today · 4.125%
HK$25,245
baseline
▲ 0.50% · 4.625%
HK$26,781
+HK$1,536/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,490/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,428
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$719/mo
Today · 4.125%
HK$27,856
baseline
▲ 0.50% · 4.625%
HK$29,324
+HK$1,468/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,712/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,225 · 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).