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$13,211
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,622
−HK$417/mo
Today · 4.125%
HK$14,039
baseline
▲ 0.50% · 4.625%
HK$14,894
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,078/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,697
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,091
−HK$400/mo
Today · 4.125%
HK$15,491
baseline
▲ 0.50% · 4.625%
HK$16,308
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,982/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,853
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,346
−HK$501/mo
Today · 4.125%
HK$16,847
baseline
▲ 0.50% · 4.625%
HK$17,872
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,694/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,637
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$479/mo
Today · 4.125%
HK$18,589
baseline
▲ 0.50% · 4.625%
HK$19,569
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,178/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,495
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,071
−HK$584/mo
Today · 4.125%
HK$19,655
baseline
▲ 0.50% · 4.625%
HK$20,851
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,310/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,576
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,128
−HK$560/mo
Today · 4.125%
HK$21,688
baseline
▲ 0.50% · 4.625%
HK$22,831
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,376/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,780
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,519
−HK$752/mo
Today · 4.125%
HK$25,271
baseline
▲ 0.50% · 4.625%
HK$26,809
+HK$1,538/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,542/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,455
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,164
−HK$720/mo
Today · 4.125%
HK$27,884
baseline
▲ 0.50% · 4.625%
HK$29,354
+HK$1,470/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,768/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,357 · 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).