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$13,195
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$417/mo
Today · 4.125%
HK$14,023
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,046/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,680
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$400/mo
Today · 4.125%
HK$15,473
baseline
▲ 0.50% · 4.625%
HK$16,288
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,946/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,327
−HK$500/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,851
+HK$1,024/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,654/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,616
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,088
−HK$479/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$979/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,134/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,473
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,048
−HK$584/mo
Today · 4.125%
HK$19,632
baseline
▲ 0.50% · 4.625%
HK$20,827
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,264/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,552
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$559/mo
Today · 4.125%
HK$21,662
baseline
▲ 0.50% · 4.625%
HK$22,804
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,324/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$751/mo
Today · 4.125%
HK$25,241
baseline
▲ 0.50% · 4.625%
HK$26,777
+HK$1,536/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,482/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,423
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,132
−HK$719/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,319
+HK$1,468/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,203 · 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).