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$13,272
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,685
−HK$420/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,963
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,765
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,161
−HK$402/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,126/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,927
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,422
−HK$504/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,719
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$482/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$984/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,352/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,581
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$588/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,672
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$562/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.07M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$130,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,633
−HK$756/mo
Today · 4.125%
HK$25,389
baseline
▲ 0.50% · 4.625%
HK$26,933
+HK$1,544/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,778/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,578
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,291
−HK$723/mo
Today · 4.125%
HK$28,014
baseline
▲ 0.50% · 4.625%
HK$29,490
+HK$1,476/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,028/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$130,964 · 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).