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$13,252
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,664
−HK$419/mo
Today · 4.125%
HK$14,083
baseline
▲ 0.50% · 4.625%
HK$14,940
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,166/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,742
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,138
−HK$401/mo
Today · 4.125%
HK$15,539
baseline
▲ 0.50% · 4.625%
HK$16,358
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,078/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,902
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$502/mo
Today · 4.125%
HK$16,899
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$1,029/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,798/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,691
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,165
−HK$482/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,630
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,294/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,553
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,130
−HK$586/mo
Today · 4.125%
HK$19,716
baseline
▲ 0.50% · 4.625%
HK$20,916
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,432/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,639
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,193
−HK$562/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$22,901
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,853
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$754/mo
Today · 4.125%
HK$25,349
baseline
▲ 0.50% · 4.625%
HK$26,891
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,698/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,536
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,248
−HK$722/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,445
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,760 · 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).