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$13,267
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$419/mo
Today · 4.125%
HK$14,099
baseline
▲ 0.50% · 4.625%
HK$14,957
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,198/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,760
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$401/mo
Today · 4.125%
HK$15,557
baseline
▲ 0.50% · 4.625%
HK$16,377
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,114/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,921
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,416
−HK$503/mo
Today · 4.125%
HK$16,919
baseline
▲ 0.50% · 4.625%
HK$17,949
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,838/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,712
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,187
−HK$482/mo
Today · 4.125%
HK$18,669
baseline
▲ 0.50% · 4.625%
HK$19,653
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,338/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,152
−HK$587/mo
Today · 4.125%
HK$19,739
baseline
▲ 0.50% · 4.625%
HK$20,940
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,478/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,664
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$562/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$22,928
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,881
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$755/mo
Today · 4.125%
HK$25,379
baseline
▲ 0.50% · 4.625%
HK$26,923
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,758/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,568
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,280
−HK$723/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,479
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,913 · 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).