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$13,201
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,612
−HK$417/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,883
+HK$854/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,058/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,686
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$400/mo
Today · 4.125%
HK$15,480
baseline
▲ 0.50% · 4.625%
HK$16,296
+HK$816/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,960/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,842
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,334
−HK$501/mo
Today · 4.125%
HK$16,835
baseline
▲ 0.50% · 4.625%
HK$17,859
+HK$1,024/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,670/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,624
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,096
−HK$480/mo
Today · 4.125%
HK$18,576
baseline
▲ 0.50% · 4.625%
HK$19,555
+HK$979/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,152/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,482
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,057
−HK$584/mo
Today · 4.125%
HK$19,641
baseline
▲ 0.50% · 4.625%
HK$20,836
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,282/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,561
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,112
−HK$560/mo
Today · 4.125%
HK$21,672
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,344/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,762
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,501
−HK$751/mo
Today · 4.125%
HK$25,252
baseline
▲ 0.50% · 4.625%
HK$26,789
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,504/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,435
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$720/mo
Today · 4.125%
HK$27,864
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,468/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,728/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,262 · 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).