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$13,181
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,591
−HK$416/mo
Today · 4.125%
HK$14,007
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,014/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,663
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$399/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,270
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,910/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,817
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$499/mo
Today · 4.125%
HK$16,808
baseline
▲ 0.50% · 4.625%
HK$17,831
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,616/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$478/mo
Today · 4.125%
HK$18,546
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,092/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,453
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,027
−HK$583/mo
Today · 4.125%
HK$19,610
baseline
▲ 0.50% · 4.625%
HK$20,803
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$39,220/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,528
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$559/mo
Today · 4.125%
HK$21,638
baseline
▲ 0.50% · 4.625%
HK$22,778
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.05M · min. income ≈ HK$43,276/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,725
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,463
−HK$750/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,747
+HK$1,534/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,394
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$718/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,286
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,057 · 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).