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$13,663
−HK$418/mo
Today · 4.125%
HK$14,081
baseline
▲ 0.50% · 4.625%
HK$14,938
+HK$857/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$130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,741
−HK$796/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$130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,900
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,395
−HK$503/mo
Today · 4.125%
HK$16,898
baseline
▲ 0.50% · 4.625%
HK$17,926
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,796/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,689
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,164
−HK$481/mo
Today · 4.125%
HK$18,645
baseline
▲ 0.50% · 4.625%
HK$19,628
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,290/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,551
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,128
−HK$586/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,913
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,637
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$561/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$22,899
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,851
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$753/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,692/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,534
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,245
−HK$722/mo
Today · 4.125%
HK$27,967
baseline
▲ 0.50% · 4.625%
HK$29,441
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,934/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,746 · 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).