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$826/mo
▼ 0.25% · 3.875%
HK$13,586
−HK$416/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,854
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,004/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,658
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$398/mo
Today · 4.125%
HK$15,450
baseline
▲ 0.50% · 4.625%
HK$16,265
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,900/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,811
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,303
−HK$500/mo
Today · 4.125%
HK$16,803
baseline
▲ 0.50% · 4.625%
HK$17,825
+HK$1,022/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$130,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,590
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,062
−HK$478/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,518
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,447
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$583/mo
Today · 4.125%
HK$19,603
baseline
▲ 0.50% · 4.625%
HK$20,796
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,206/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,522
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,072
−HK$558/mo
Today · 4.125%
HK$21,630
baseline
▲ 0.50% · 4.625%
HK$22,771
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,260/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$749/mo
Today · 4.125%
HK$25,204
baseline
▲ 0.50% · 4.625%
HK$26,738
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,408/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,385
−HK$1,426/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$130,014 · 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).