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$13,261
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,673
−HK$419/mo
Today · 4.125%
HK$14,092
baseline
▲ 0.50% · 4.625%
HK$14,950
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,184/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,753
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,148
−HK$402/mo
Today · 4.125%
HK$15,550
baseline
▲ 0.50% · 4.625%
HK$16,369
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,100/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,913
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,408
−HK$503/mo
Today · 4.125%
HK$16,911
baseline
▲ 0.50% · 4.625%
HK$17,940
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,822/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,703
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,178
−HK$482/mo
Today · 4.125%
HK$18,660
baseline
▲ 0.50% · 4.625%
HK$19,643
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,320/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,565
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,143
−HK$586/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,201/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,654
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,208
−HK$561/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$22,917
+HK$1,148/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$754/mo
Today · 4.125%
HK$25,366
baseline
▲ 0.50% · 4.625%
HK$26,910
+HK$1,544/mo
Deposit HK$582K · loan HK$5.23M · min. income ≈ HK$50,732/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,555
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,267
−HK$722/mo
Today · 4.125%
HK$27,989
baseline
▲ 0.50% · 4.625%
HK$29,465
+HK$1,476/mo
Deposit HK$582K · loan HK$5.23M · min. income ≈ HK$55,978/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,850 · 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).