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$13,262
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,674
−HK$419/mo
Today · 4.125%
HK$14,093
baseline
▲ 0.50% · 4.625%
HK$14,951
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,186/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,754
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,149
−HK$402/mo
Today · 4.125%
HK$15,551
baseline
▲ 0.50% · 4.625%
HK$16,370
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,102/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,914
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,409
−HK$503/mo
Today · 4.125%
HK$16,912
baseline
▲ 0.50% · 4.625%
HK$17,941
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,824/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,704
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$482/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,644
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,322/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,566
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$587/mo
Today · 4.125%
HK$19,731
baseline
▲ 0.50% · 4.625%
HK$20,931
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,462/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,655
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,209
−HK$562/mo
Today · 4.125%
HK$21,771
baseline
▲ 0.50% · 4.625%
HK$22,918
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,542/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,871
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,614
−HK$754/mo
Today · 4.125%
HK$25,368
baseline
▲ 0.50% · 4.625%
HK$26,912
+HK$1,544/mo
Deposit HK$582K · loan HK$5.23M · min. income ≈ HK$50,736/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$722/mo
Today · 4.125%
HK$27,991
baseline
▲ 0.50% · 4.625%
HK$29,467
+HK$1,476/mo
Deposit HK$582K · loan HK$5.23M · min. income ≈ HK$55,982/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,858 · 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).