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$13,197
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,607
−HK$417/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,877
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,048/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,681
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$399/mo
Today · 4.125%
HK$15,474
baseline
▲ 0.50% · 4.625%
HK$16,290
+HK$816/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,948/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,836
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,328
−HK$501/mo
Today · 4.125%
HK$16,829
baseline
▲ 0.50% · 4.625%
HK$17,853
+HK$1,024/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,658/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,617
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,090
−HK$479/mo
Today · 4.125%
HK$18,569
baseline
▲ 0.50% · 4.625%
HK$19,548
+HK$979/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,138/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,475
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,050
−HK$584/mo
Today · 4.125%
HK$19,634
baseline
▲ 0.50% · 4.625%
HK$20,828
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,268/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,553
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$559/mo
Today · 4.125%
HK$21,664
baseline
▲ 0.50% · 4.625%
HK$22,806
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,328/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,754
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$750/mo
Today · 4.125%
HK$25,243
baseline
▲ 0.50% · 4.625%
HK$26,779
+HK$1,536/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,486/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,426
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,135
−HK$718/mo
Today · 4.125%
HK$27,853
baseline
▲ 0.50% · 4.625%
HK$29,322
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,706/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,215 · 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).