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$13,266
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,678
−HK$420/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,955
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,758
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,154
−HK$401/mo
Today · 4.125%
HK$15,555
baseline
▲ 0.50% · 4.625%
HK$16,375
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,110/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,919
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,414
−HK$503/mo
Today · 4.125%
HK$16,917
baseline
▲ 0.50% · 4.625%
HK$17,946
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,834/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,710
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,184
−HK$482/mo
Today · 4.125%
HK$18,666
baseline
▲ 0.50% · 4.625%
HK$19,650
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,332/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,572
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,150
−HK$587/mo
Today · 4.125%
HK$19,737
baseline
▲ 0.50% · 4.625%
HK$20,938
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,474/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,661
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$562/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$22,925
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,878
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,621
−HK$755/mo
Today · 4.125%
HK$25,376
baseline
▲ 0.50% · 4.625%
HK$26,920
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,752/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,564
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,277
−HK$722/mo
Today · 4.125%
HK$27,999
baseline
▲ 0.50% · 4.625%
HK$29,475
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$55,998/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,897 · 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).