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$13,224
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,635
−HK$418/mo
Today · 4.125%
HK$14,053
baseline
▲ 0.50% · 4.625%
HK$14,908
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,106/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,711
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$400/mo
Today · 4.125%
HK$15,506
baseline
▲ 0.50% · 4.625%
HK$16,324
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,012/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,869
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,362
−HK$502/mo
Today · 4.125%
HK$16,864
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,728/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,654
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,127
−HK$480/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,513
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,089
−HK$585/mo
Today · 4.125%
HK$19,674
baseline
▲ 0.50% · 4.625%
HK$20,871
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,348/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,596
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$561/mo
Today · 4.125%
HK$21,709
baseline
▲ 0.50% · 4.625%
HK$22,853
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,418/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,803
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,543
−HK$753/mo
Today · 4.125%
HK$25,296
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,592/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,481
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$720/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,382
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,484 · 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).