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$13,224
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,636
−HK$418/mo
Today · 4.125%
HK$14,054
baseline
▲ 0.50% · 4.625%
HK$14,909
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,108/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,712
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,107
−HK$400/mo
Today · 4.125%
HK$15,507
baseline
▲ 0.50% · 4.625%
HK$16,324
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,014/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,869
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,363
−HK$501/mo
Today · 4.125%
HK$16,864
baseline
▲ 0.50% · 4.625%
HK$17,891
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,728/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,654
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$480/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,589
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,514
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,090
−HK$585/mo
Today · 4.125%
HK$19,675
baseline
▲ 0.50% · 4.625%
HK$20,872
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,350/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,597
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,149
−HK$561/mo
Today · 4.125%
HK$21,710
baseline
▲ 0.50% · 4.625%
HK$22,854
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,420/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,804
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,544
−HK$753/mo
Today · 4.125%
HK$25,297
baseline
▲ 0.50% · 4.625%
HK$26,836
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,594/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,192
−HK$720/mo
Today · 4.125%
HK$27,912
baseline
▲ 0.50% · 4.625%
HK$29,384
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,824/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,490 · 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).