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$13,276
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,689
−HK$419/mo
Today · 4.125%
HK$14,108
baseline
▲ 0.50% · 4.625%
HK$14,967
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,216/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,769
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,165
−HK$402/mo
Today · 4.125%
HK$15,567
baseline
▲ 0.50% · 4.625%
HK$16,388
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,134/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,931
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,426
−HK$504/mo
Today · 4.125%
HK$16,930
baseline
▲ 0.50% · 4.625%
HK$17,960
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,860/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,723
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,198
−HK$482/mo
Today · 4.125%
HK$18,680
baseline
▲ 0.50% · 4.625%
HK$19,665
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,360/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,586
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,164
−HK$587/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,953
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,677
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,231
−HK$563/mo
Today · 4.125%
HK$21,794
baseline
▲ 0.50% · 4.625%
HK$22,943
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,588/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,896
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,640
−HK$755/mo
Today · 4.125%
HK$25,395
baseline
▲ 0.50% · 4.625%
HK$26,940
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,790/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,584
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,297
−HK$724/mo
Today · 4.125%
HK$28,021
baseline
▲ 0.50% · 4.625%
HK$29,498
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,042/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,996 · 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).