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$13,178
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,588
−HK$416/mo
Today · 4.125%
HK$14,004
baseline
▲ 0.50% · 4.625%
HK$14,856
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,008/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,660
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,054
−HK$398/mo
Today · 4.125%
HK$15,452
baseline
▲ 0.50% · 4.625%
HK$16,267
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,904/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,814
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,305
−HK$500/mo
Today · 4.125%
HK$16,805
baseline
▲ 0.50% · 4.625%
HK$17,828
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,610/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,592
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,064
−HK$479/mo
Today · 4.125%
HK$18,543
baseline
▲ 0.50% · 4.625%
HK$19,520
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,086/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,449
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$583/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,525
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$558/mo
Today · 4.125%
HK$21,633
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,141/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,266/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,720
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$750/mo
Today · 4.125%
HK$25,208
baseline
▲ 0.50% · 4.625%
HK$26,742
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,416/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,096
−HK$718/mo
Today · 4.125%
HK$27,814
baseline
▲ 0.50% · 4.625%
HK$29,281
+HK$1,467/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,628/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,032 · 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).