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$13,253
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$419/mo
Today · 4.125%
HK$14,084
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$857/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,168/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,744
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$401/mo
Today · 4.125%
HK$15,540
baseline
▲ 0.50% · 4.625%
HK$16,359
+HK$819/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,080/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,903
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,398
−HK$503/mo
Today · 4.125%
HK$16,901
baseline
▲ 0.50% · 4.625%
HK$17,929
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,802/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,692
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,167
−HK$481/mo
Today · 4.125%
HK$18,648
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,296/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$130,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,554
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,131
−HK$587/mo
Today · 4.125%
HK$19,718
baseline
▲ 0.50% · 4.625%
HK$20,917
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,436/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,641
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,195
−HK$561/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$22,903
+HK$1,147/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,855
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,597
−HK$754/mo
Today · 4.125%
HK$25,351
baseline
▲ 0.50% · 4.625%
HK$26,894
+HK$1,543/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,702/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,539
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,250
−HK$722/mo
Today · 4.125%
HK$27,972
baseline
▲ 0.50% · 4.625%
HK$29,447
+HK$1,475/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,944/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,771 · 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).