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$13,278
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,691
−HK$420/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,222/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,772
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$402/mo
Today · 4.125%
HK$15,570
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,140/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,934
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,430
−HK$503/mo
Today · 4.125%
HK$16,933
baseline
▲ 0.50% · 4.625%
HK$17,963
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,866/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,726
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,202
−HK$482/mo
Today · 4.125%
HK$18,684
baseline
▲ 0.50% · 4.625%
HK$19,669
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,368/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,590
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,168
−HK$587/mo
Today · 4.125%
HK$19,755
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,510/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,681
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,235
−HK$563/mo
Today · 4.125%
HK$21,798
baseline
▲ 0.50% · 4.625%
HK$22,947
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,596/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,901
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,644
−HK$756/mo
Today · 4.125%
HK$25,400
baseline
▲ 0.50% · 4.625%
HK$26,945
+HK$1,545/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,800/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,589
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,303
−HK$723/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,021 · 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).