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$13,189
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,600
−HK$416/mo
Today · 4.125%
HK$14,016
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$853/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,032/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,673
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,066
−HK$400/mo
Today · 4.125%
HK$15,466
baseline
▲ 0.50% · 4.625%
HK$16,281
+HK$815/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,932/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,827
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,319
−HK$501/mo
Today · 4.125%
HK$16,820
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$1,023/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,640/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,607
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$479/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,537
+HK$978/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,039
−HK$584/mo
Today · 4.125%
HK$19,623
baseline
▲ 0.50% · 4.625%
HK$20,817
+HK$1,194/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,246/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,542
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,093
−HK$559/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,793
+HK$1,141/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,741
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,479
−HK$750/mo
Today · 4.125%
HK$25,229
baseline
▲ 0.50% · 4.625%
HK$26,765
+HK$1,536/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$50,458/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,411
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,120
−HK$718/mo
Today · 4.125%
HK$27,838
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,468/mo
Deposit HK$578K · loan HK$5.21M · min. income ≈ HK$55,676/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,143 · 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).