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$13,176
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$417/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,854
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,004/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,658
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,051
−HK$399/mo
Today · 4.125%
HK$15,450
baseline
▲ 0.50% · 4.625%
HK$16,264
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,900/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,811
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,302
−HK$500/mo
Today · 4.125%
HK$16,802
baseline
▲ 0.50% · 4.625%
HK$17,825
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,604/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,589
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,061
−HK$479/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,517
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,446
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$582/mo
Today · 4.125%
HK$19,602
baseline
▲ 0.50% · 4.625%
HK$20,795
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,204/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,521
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$558/mo
Today · 4.125%
HK$21,629
baseline
▲ 0.50% · 4.625%
HK$22,770
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,258/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,716
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,454
−HK$749/mo
Today · 4.125%
HK$25,203
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,406/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,091
−HK$718/mo
Today · 4.125%
HK$27,809
baseline
▲ 0.50% · 4.625%
HK$29,275
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,618/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,008 · 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).