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$13,269
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$420/mo
Today · 4.125%
HK$14,102
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,204/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,762
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,158
−HK$402/mo
Today · 4.125%
HK$15,560
baseline
▲ 0.50% · 4.625%
HK$16,380
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,120/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,923
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,419
−HK$503/mo
Today · 4.125%
HK$16,922
baseline
▲ 0.50% · 4.625%
HK$17,952
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,844/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,715
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,190
−HK$482/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,656
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,577
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,155
−HK$587/mo
Today · 4.125%
HK$19,742
baseline
▲ 0.50% · 4.625%
HK$20,943
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,484/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,667
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,221
−HK$563/mo
Today · 4.125%
HK$21,784
baseline
▲ 0.50% · 4.625%
HK$22,932
+HK$1,148/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,568/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$755/mo
Today · 4.125%
HK$25,383
baseline
▲ 0.50% · 4.625%
HK$26,927
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,766/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,572
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,285
−HK$722/mo
Today · 4.125%
HK$28,007
baseline
▲ 0.50% · 4.625%
HK$29,484
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,014/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,935 · 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).