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$13,279
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$420/mo
Today · 4.125%
HK$14,112
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,224/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$402/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,392
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,935
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,430
−HK$504/mo
Today · 4.125%
HK$16,934
baseline
▲ 0.50% · 4.625%
HK$17,964
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,868/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,727
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,203
−HK$482/mo
Today · 4.125%
HK$18,685
baseline
▲ 0.50% · 4.625%
HK$19,670
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,370/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,591
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,169
−HK$587/mo
Today · 4.125%
HK$19,756
baseline
▲ 0.50% · 4.625%
HK$20,959
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,512/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,682
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,237
−HK$562/mo
Today · 4.125%
HK$21,799
baseline
▲ 0.50% · 4.625%
HK$22,948
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,598/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,902
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,646
−HK$755/mo
Today · 4.125%
HK$25,401
baseline
▲ 0.50% · 4.625%
HK$26,947
+HK$1,546/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,802/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,591
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,304
−HK$724/mo
Today · 4.125%
HK$28,028
baseline
▲ 0.50% · 4.625%
HK$29,505
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,056/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,029 · 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).