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$13,272
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,685
−HK$419/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,208/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,765
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,161
−HK$402/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,383
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,126/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,926
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,422
−HK$503/mo
Today · 4.125%
HK$16,925
baseline
▲ 0.50% · 4.625%
HK$17,955
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,850/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,718
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,193
−HK$482/mo
Today · 4.125%
HK$18,675
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,350/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,581
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$587/mo
Today · 4.125%
HK$19,746
baseline
▲ 0.50% · 4.625%
HK$20,947
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,492/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,671
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,225
−HK$563/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$22,936
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,633
−HK$755/mo
Today · 4.125%
HK$25,388
baseline
▲ 0.50% · 4.625%
HK$26,932
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,776/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,577
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,290
−HK$723/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,489
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,959 · 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).