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$13,194
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,604
−HK$417/mo
Today · 4.125%
HK$14,021
baseline
▲ 0.50% · 4.625%
HK$14,874
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,042/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,678
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,072
−HK$399/mo
Today · 4.125%
HK$15,471
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$816/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,942/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,833
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,325
−HK$500/mo
Today · 4.125%
HK$16,825
baseline
▲ 0.50% · 4.625%
HK$17,849
+HK$1,024/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,650/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,614
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,086
−HK$479/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,544
+HK$979/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,130/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,471
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,046
−HK$584/mo
Today · 4.125%
HK$19,630
baseline
▲ 0.50% · 4.625%
HK$20,824
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,260/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,549
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,100
−HK$559/mo
Today · 4.125%
HK$21,659
baseline
▲ 0.50% · 4.625%
HK$22,801
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,318/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,749
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,488
−HK$750/mo
Today · 4.125%
HK$25,238
baseline
▲ 0.50% · 4.625%
HK$26,774
+HK$1,536/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,476/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,129
−HK$719/mo
Today · 4.125%
HK$27,848
baseline
▲ 0.50% · 4.625%
HK$29,316
+HK$1,468/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,696/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,188 · 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).