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$13,260
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,672
−HK$419/mo
Today · 4.125%
HK$14,091
baseline
▲ 0.50% · 4.625%
HK$14,949
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,182/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,751
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,147
−HK$401/mo
Today · 4.125%
HK$15,548
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,096/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,912
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,407
−HK$503/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$1,028/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,820/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,702
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$482/mo
Today · 4.125%
HK$18,658
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$983/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,316/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,564
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,141
−HK$587/mo
Today · 4.125%
HK$19,728
baseline
▲ 0.50% · 4.625%
HK$20,928
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,456/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,652
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$562/mo
Today · 4.125%
HK$21,768
baseline
▲ 0.50% · 4.625%
HK$22,915
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,536/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,868
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,610
−HK$754/mo
Today · 4.125%
HK$25,364
baseline
▲ 0.50% · 4.625%
HK$26,908
+HK$1,544/mo
Deposit HK$582K · loan HK$5.23M · min. income ≈ HK$50,728/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,265
−HK$722/mo
Today · 4.125%
HK$27,987
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,475/mo
Deposit HK$582K · loan HK$5.23M · min. income ≈ HK$55,974/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,839 · 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).