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$13,239
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,651
−HK$418/mo
Today · 4.125%
HK$14,069
baseline
▲ 0.50% · 4.625%
HK$14,925
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,138/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,728
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,123
−HK$401/mo
Today · 4.125%
HK$15,524
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,048/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,887
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,381
−HK$502/mo
Today · 4.125%
HK$16,883
baseline
▲ 0.50% · 4.625%
HK$17,910
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,766/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,674
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,148
−HK$481/mo
Today · 4.125%
HK$18,629
baseline
▲ 0.50% · 4.625%
HK$19,611
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,258/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,535
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,111
−HK$586/mo
Today · 4.125%
HK$19,697
baseline
▲ 0.50% · 4.625%
HK$20,896
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,394/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,173
−HK$561/mo
Today · 4.125%
HK$21,734
baseline
▲ 0.50% · 4.625%
HK$22,879
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,468/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,830
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,572
−HK$753/mo
Today · 4.125%
HK$25,325
baseline
▲ 0.50% · 4.625%
HK$26,866
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,650/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,511
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,222
−HK$721/mo
Today · 4.125%
HK$27,943
baseline
▲ 0.50% · 4.625%
HK$29,416
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,886/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,635 · 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).