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$13,204
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$417/mo
Today · 4.125%
HK$14,032
baseline
▲ 0.50% · 4.625%
HK$14,886
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,064/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,689
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,083
−HK$400/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,299
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,966/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,845
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$500/mo
Today · 4.125%
HK$16,838
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,676/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,627
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$479/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,559
+HK$980/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,485
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,060
−HK$585/mo
Today · 4.125%
HK$19,645
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,290/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,116
−HK$560/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,767
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,506
−HK$751/mo
Today · 4.125%
HK$25,257
baseline
▲ 0.50% · 4.625%
HK$26,794
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,514/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,441
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,150
−HK$719/mo
Today · 4.125%
HK$27,869
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,738/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,287 · 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).