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$13,265
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,678
−HK$419/mo
Today · 4.125%
HK$14,097
baseline
▲ 0.50% · 4.625%
HK$14,954
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,194/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,757
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,153
−HK$401/mo
Today · 4.125%
HK$15,554
baseline
▲ 0.50% · 4.625%
HK$16,374
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,108/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,918
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,413
−HK$503/mo
Today · 4.125%
HK$16,916
baseline
▲ 0.50% · 4.625%
HK$17,945
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,832/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,708
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,183
−HK$482/mo
Today · 4.125%
HK$18,665
baseline
▲ 0.50% · 4.625%
HK$19,649
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,330/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,571
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$586/mo
Today · 4.125%
HK$19,735
baseline
▲ 0.50% · 4.625%
HK$20,936
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,470/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,660
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,214
−HK$562/mo
Today · 4.125%
HK$21,776
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,552/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,877
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$754/mo
Today · 4.125%
HK$25,374
baseline
▲ 0.50% · 4.625%
HK$26,918
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,748/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,563
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,275
−HK$723/mo
Today · 4.125%
HK$27,998
baseline
▲ 0.50% · 4.625%
HK$29,474
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$55,996/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,889 · 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).