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$13,220
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$418/mo
Today · 4.125%
HK$14,049
baseline
▲ 0.50% · 4.625%
HK$14,904
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,098/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,707
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,101
−HK$401/mo
Today · 4.125%
HK$15,502
baseline
▲ 0.50% · 4.625%
HK$16,319
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,004/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,864
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,357
−HK$502/mo
Today · 4.125%
HK$16,859
baseline
▲ 0.50% · 4.625%
HK$17,884
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,718/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,648
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,122
−HK$480/mo
Today · 4.125%
HK$18,602
baseline
▲ 0.50% · 4.625%
HK$19,582
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,204/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,508
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,084
−HK$584/mo
Today · 4.125%
HK$19,668
baseline
▲ 0.50% · 4.625%
HK$20,865
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,336/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,590
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,142
−HK$560/mo
Today · 4.125%
HK$21,702
baseline
▲ 0.50% · 4.625%
HK$22,846
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,404/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,796
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,536
−HK$752/mo
Today · 4.125%
HK$25,288
baseline
▲ 0.50% · 4.625%
HK$26,827
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,576/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,473
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$720/mo
Today · 4.125%
HK$27,903
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,806/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,445 · 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).