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$13,210
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$417/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,696
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$400/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,852
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,345
−HK$501/mo
Today · 4.125%
HK$16,846
baseline
▲ 0.50% · 4.625%
HK$17,871
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,692/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,635
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,108
−HK$480/mo
Today · 4.125%
HK$18,588
baseline
▲ 0.50% · 4.625%
HK$19,568
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,176/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,494
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$584/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,849
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,574
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,126
−HK$560/mo
Today · 4.125%
HK$21,686
baseline
▲ 0.50% · 4.625%
HK$22,829
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,372/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,778
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,517
−HK$752/mo
Today · 4.125%
HK$25,269
baseline
▲ 0.50% · 4.625%
HK$26,806
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,538/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,452
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,162
−HK$720/mo
Today · 4.125%
HK$27,882
baseline
▲ 0.50% · 4.625%
HK$29,351
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,764/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,346 · 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).