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$13,206
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$417/mo
Today · 4.125%
HK$14,034
baseline
▲ 0.50% · 4.625%
HK$14,888
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,068/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,692
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$400/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,302
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,972/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,847
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$501/mo
Today · 4.125%
HK$16,841
baseline
▲ 0.50% · 4.625%
HK$17,866
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,682/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,630
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,103
−HK$480/mo
Today · 4.125%
HK$18,583
baseline
▲ 0.50% · 4.625%
HK$19,562
+HK$979/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,166/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,064
−HK$584/mo
Today · 4.125%
HK$19,648
baseline
▲ 0.50% · 4.625%
HK$20,844
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,296/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,568
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,120
−HK$560/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$22,823
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,360/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,771
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$751/mo
Today · 4.125%
HK$25,262
baseline
▲ 0.50% · 4.625%
HK$26,799
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,524/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,445
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$720/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,343
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,310 · 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).