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$13,234
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,646
−HK$418/mo
Today · 4.125%
HK$14,064
baseline
▲ 0.50% · 4.625%
HK$14,920
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,128/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,723
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,118
−HK$400/mo
Today · 4.125%
HK$15,518
baseline
▲ 0.50% · 4.625%
HK$16,336
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,036/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,881
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,375
−HK$502/mo
Today · 4.125%
HK$16,877
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,754/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,668
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$481/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,244/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,528
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$586/mo
Today · 4.125%
HK$19,690
baseline
▲ 0.50% · 4.625%
HK$20,888
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,380/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,612
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,165
−HK$561/mo
Today · 4.125%
HK$21,726
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,452/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$753/mo
Today · 4.125%
HK$25,316
baseline
▲ 0.50% · 4.625%
HK$26,856
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,632/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,501
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,212
−HK$721/mo
Today · 4.125%
HK$27,933
baseline
▲ 0.50% · 4.625%
HK$29,406
+HK$1,473/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,866/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,587 · 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).