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$13,217
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,628
−HK$417/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,900
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,090/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,703
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$400/mo
Today · 4.125%
HK$15,498
baseline
▲ 0.50% · 4.625%
HK$16,315
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,996/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,860
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,353
−HK$502/mo
Today · 4.125%
HK$16,855
baseline
▲ 0.50% · 4.625%
HK$17,880
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,710/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,644
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,117
−HK$480/mo
Today · 4.125%
HK$18,597
baseline
▲ 0.50% · 4.625%
HK$19,578
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,194/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,503
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,079
−HK$585/mo
Today · 4.125%
HK$19,664
baseline
▲ 0.50% · 4.625%
HK$20,860
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,328/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,585
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,137
−HK$560/mo
Today · 4.125%
HK$21,697
baseline
▲ 0.50% · 4.625%
HK$22,841
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,394/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$752/mo
Today · 4.125%
HK$25,282
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,538/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,564/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,176
−HK$720/mo
Today · 4.125%
HK$27,896
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,470/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,792/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,414 · 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).