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$13,249
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,661
−HK$418/mo
Today · 4.125%
HK$14,079
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,158/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,739
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,134
−HK$401/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,070/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,898
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,393
−HK$502/mo
Today · 4.125%
HK$16,895
baseline
▲ 0.50% · 4.625%
HK$17,923
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,790/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,687
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,161
−HK$481/mo
Today · 4.125%
HK$18,642
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,284/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,548
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,125
−HK$586/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,911
+HK$1,200/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$561/mo
Today · 4.125%
HK$21,749
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,498/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,848
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$754/mo
Today · 4.125%
HK$25,343
baseline
▲ 0.50% · 4.625%
HK$26,885
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,686/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,530
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$721/mo
Today · 4.125%
HK$27,963
baseline
▲ 0.50% · 4.625%
HK$29,437
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,926/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,729 · 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).