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$13,251
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,663
−HK$419/mo
Today · 4.125%
HK$14,082
baseline
▲ 0.50% · 4.625%
HK$14,939
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,164/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,741
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,137
−HK$401/mo
Today · 4.125%
HK$15,538
baseline
▲ 0.50% · 4.625%
HK$16,357
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,076/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,901
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,396
−HK$502/mo
Today · 4.125%
HK$16,898
baseline
▲ 0.50% · 4.625%
HK$17,926
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,796/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,690
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,164
−HK$481/mo
Today · 4.125%
HK$18,645
baseline
▲ 0.50% · 4.625%
HK$19,628
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,290/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,551
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,128
−HK$586/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,638
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$562/mo
Today · 4.125%
HK$21,753
baseline
▲ 0.50% · 4.625%
HK$22,900
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,506/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,852
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$754/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,890
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,535
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,246
−HK$722/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,442
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,751 · 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).