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$13,179
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,589
−HK$416/mo
Today · 4.125%
HK$14,005
baseline
▲ 0.50% · 4.625%
HK$14,858
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,010/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,661
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,055
−HK$399/mo
Today · 4.125%
HK$15,454
baseline
▲ 0.50% · 4.625%
HK$16,268
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,908/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,815
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$499/mo
Today · 4.125%
HK$16,806
baseline
▲ 0.50% · 4.625%
HK$17,829
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,612/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,594
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,066
−HK$478/mo
Today · 4.125%
HK$18,544
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,088/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,451
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,024
−HK$584/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,801
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,526
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,077
−HK$558/mo
Today · 4.125%
HK$21,635
baseline
▲ 0.50% · 4.625%
HK$22,775
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,270/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,722
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,460
−HK$750/mo
Today · 4.125%
HK$25,210
baseline
▲ 0.50% · 4.625%
HK$26,744
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,420/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,391
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$718/mo
Today · 4.125%
HK$27,816
baseline
▲ 0.50% · 4.625%
HK$29,283
+HK$1,467/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,632/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,041 · 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).