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$827/mo
▼ 0.25% · 3.875%
HK$13,586
−HK$417/mo
Today · 4.125%
HK$14,003
baseline
▲ 0.50% · 4.625%
HK$14,855
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,006/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,659
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$399/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,265
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,812
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,304
−HK$499/mo
Today · 4.125%
HK$16,803
baseline
▲ 0.50% · 4.625%
HK$17,826
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,606/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,590
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,062
−HK$479/mo
Today · 4.125%
HK$18,541
baseline
▲ 0.50% · 4.625%
HK$19,518
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,082/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,447
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,021
−HK$583/mo
Today · 4.125%
HK$19,604
baseline
▲ 0.50% · 4.625%
HK$20,797
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,208/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,522
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,073
−HK$558/mo
Today · 4.125%
HK$21,631
baseline
▲ 0.50% · 4.625%
HK$22,771
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,262/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,718
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$750/mo
Today · 4.125%
HK$25,205
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,410/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,386
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$718/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,277
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,017 · 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).