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$13,255
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,667
−HK$419/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,172/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,746
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$401/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,362
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,906
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$503/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$1,028/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,806/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,695
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$482/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,634
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,302/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,556
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,134
−HK$586/mo
Today · 4.125%
HK$19,720
baseline
▲ 0.50% · 4.625%
HK$20,920
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,440/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,644
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,198
−HK$561/mo
Today · 4.125%
HK$21,759
baseline
▲ 0.50% · 4.625%
HK$22,906
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,518/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,858
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,600
−HK$754/mo
Today · 4.125%
HK$25,354
baseline
▲ 0.50% · 4.625%
HK$26,897
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,708/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,542
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$722/mo
Today · 4.125%
HK$27,976
baseline
▲ 0.50% · 4.625%
HK$29,451
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,952/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,788 · 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).