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$13,233
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,645
−HK$418/mo
Today · 4.125%
HK$14,063
baseline
▲ 0.50% · 4.625%
HK$14,919
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,126/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,722
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,117
−HK$400/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,335
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,880
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,374
−HK$502/mo
Today · 4.125%
HK$16,876
baseline
▲ 0.50% · 4.625%
HK$17,903
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,752/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,666
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$481/mo
Today · 4.125%
HK$18,621
baseline
▲ 0.50% · 4.625%
HK$19,602
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,242/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,527
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$586/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$560/mo
Today · 4.125%
HK$21,724
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,448/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,820
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,561
−HK$753/mo
Today · 4.125%
HK$25,314
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,628/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,500
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$721/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,404
+HK$1,473/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,579 · 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).