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$13,250
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$419/mo
Today · 4.125%
HK$14,081
baseline
▲ 0.50% · 4.625%
HK$14,937
+HK$856/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,162/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,740
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,136
−HK$401/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,900
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,394
−HK$503/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,925
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,688
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$481/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,550
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,127
−HK$586/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,636
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,190
−HK$561/mo
Today · 4.125%
HK$21,751
baseline
▲ 0.50% · 4.625%
HK$22,898
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,502/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,850
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,592
−HK$753/mo
Today · 4.125%
HK$25,345
baseline
▲ 0.50% · 4.625%
HK$26,887
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,690/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,533
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,244
−HK$722/mo
Today · 4.125%
HK$27,966
baseline
▲ 0.50% · 4.625%
HK$29,440
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,932/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,740 · 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).