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$13,209
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,620
−HK$418/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,695
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,089
−HK$400/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,305
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,978/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,851
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,344
−HK$501/mo
Today · 4.125%
HK$16,845
baseline
▲ 0.50% · 4.625%
HK$17,870
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,690/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,634
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,107
−HK$480/mo
Today · 4.125%
HK$18,587
baseline
▲ 0.50% · 4.625%
HK$19,567
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,174/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,068
−HK$585/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,848
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,573
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,125
−HK$560/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$22,828
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,777
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,516
−HK$752/mo
Today · 4.125%
HK$25,268
baseline
▲ 0.50% · 4.625%
HK$26,805
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,536/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,451
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,161
−HK$719/mo
Today · 4.125%
HK$27,880
baseline
▲ 0.50% · 4.625%
HK$29,350
+HK$1,470/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,760/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,340 · 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).