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$13,269
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$419/mo
Today · 4.125%
HK$14,101
baseline
▲ 0.50% · 4.625%
HK$14,959
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,202/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,762
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,158
−HK$401/mo
Today · 4.125%
HK$15,559
baseline
▲ 0.50% · 4.625%
HK$16,380
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,118/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,923
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,418
−HK$504/mo
Today · 4.125%
HK$16,922
baseline
▲ 0.50% · 4.625%
HK$17,951
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,844/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,714
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$482/mo
Today · 4.125%
HK$18,671
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,342/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,577
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,155
−HK$587/mo
Today · 4.125%
HK$19,742
baseline
▲ 0.50% · 4.625%
HK$20,943
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,484/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,667
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,221
−HK$562/mo
Today · 4.125%
HK$21,783
baseline
▲ 0.50% · 4.625%
HK$22,931
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,566/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$754/mo
Today · 4.125%
HK$25,382
baseline
▲ 0.50% · 4.625%
HK$26,927
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,764/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,571
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,284
−HK$723/mo
Today · 4.125%
HK$28,007
baseline
▲ 0.50% · 4.625%
HK$29,483
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,014/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,932 · 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).