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$13,175
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$416/mo
Today · 4.125%
HK$14,001
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$852/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$28,002/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,657
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,050
−HK$399/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,263
+HK$814/mo
Deposit HK$2.89M · loan HK$2.89M · min. income ≈ HK$30,898/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$130,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,810
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$500/mo
Today · 4.125%
HK$16,801
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$1,022/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$33,602/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,588
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,060
−HK$478/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,515
+HK$977/mo
Deposit HK$2.31M · loan HK$3.47M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$130,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,445
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,018
−HK$583/mo
Today · 4.125%
HK$19,601
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,193/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$39,202/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,519
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,070
−HK$558/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,768
+HK$1,140/mo
Deposit HK$1.73M · loan HK$4.04M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$130,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,714
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,452
−HK$750/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,735
+HK$1,533/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,382
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,090
−HK$717/mo
Today · 4.125%
HK$27,807
baseline
▲ 0.50% · 4.625%
HK$29,273
+HK$1,466/mo
Deposit HK$578K · loan HK$5.20M · min. income ≈ HK$55,614/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$130,000 · 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).