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$13,259
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,672
−HK$419/mo
Today · 4.125%
HK$14,091
baseline
▲ 0.50% · 4.625%
HK$14,948
+HK$857/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$130,835 · 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$16,367
+HK$819/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$130,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,911
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,406
−HK$503/mo
Today · 4.125%
HK$16,909
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$1,029/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,818/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,701
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,176
−HK$481/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,314/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,563
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,141
−HK$586/mo
Today · 4.125%
HK$19,727
baseline
▲ 0.50% · 4.625%
HK$20,928
+HK$1,201/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,454/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,651
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$562/mo
Today · 4.125%
HK$21,767
baseline
▲ 0.50% · 4.625%
HK$22,914
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,534/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,867
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,609
−HK$755/mo
Today · 4.125%
HK$25,364
baseline
▲ 0.50% · 4.625%
HK$26,907
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,728/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,264
−HK$722/mo
Today · 4.125%
HK$27,986
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,972/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,835 · 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).