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$13,247
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,659
−HK$419/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,934
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,156/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,737
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,132
−HK$401/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,352
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,066/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,896
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,391
−HK$502/mo
Today · 4.125%
HK$16,893
baseline
▲ 0.50% · 4.625%
HK$17,921
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,786/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,685
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,159
−HK$481/mo
Today · 4.125%
HK$18,640
baseline
▲ 0.50% · 4.625%
HK$19,623
+HK$983/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,280/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,546
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,123
−HK$586/mo
Today · 4.125%
HK$19,709
baseline
▲ 0.50% · 4.625%
HK$20,908
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,418/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,185
−HK$562/mo
Today · 4.125%
HK$21,747
baseline
▲ 0.50% · 4.625%
HK$22,893
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,494/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,845
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,586
−HK$754/mo
Today · 4.125%
HK$25,340
baseline
▲ 0.50% · 4.625%
HK$26,882
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,680/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,527
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$722/mo
Today · 4.125%
HK$27,960
baseline
▲ 0.50% · 4.625%
HK$29,434
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,920/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,713 · 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).