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$13,275
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,687
−HK$420/mo
Today · 4.125%
HK$14,107
baseline
▲ 0.50% · 4.625%
HK$14,965
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,214/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,768
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,164
−HK$402/mo
Today · 4.125%
HK$15,566
baseline
▲ 0.50% · 4.625%
HK$16,386
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,132/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,929
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,425
−HK$503/mo
Today · 4.125%
HK$16,928
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,856/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,721
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,197
−HK$482/mo
Today · 4.125%
HK$18,679
baseline
▲ 0.50% · 4.625%
HK$19,663
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,358/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,584
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,162
−HK$588/mo
Today · 4.125%
HK$19,750
baseline
▲ 0.50% · 4.625%
HK$20,952
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,500/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,675
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,229
−HK$563/mo
Today · 4.125%
HK$21,792
baseline
▲ 0.50% · 4.625%
HK$22,941
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,584/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,894
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,637
−HK$756/mo
Today · 4.125%
HK$25,393
baseline
▲ 0.50% · 4.625%
HK$26,938
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,786/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,582
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,295
−HK$723/mo
Today · 4.125%
HK$28,018
baseline
▲ 0.50% · 4.625%
HK$29,495
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,036/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,985 · 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).