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$13,230
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$419/mo
Today · 4.125%
HK$14,060
baseline
▲ 0.50% · 4.625%
HK$14,915
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,120/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,718
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,113
−HK$400/mo
Today · 4.125%
HK$15,513
baseline
▲ 0.50% · 4.625%
HK$16,331
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,026/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,876
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,370
−HK$502/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,898
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,662
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,136
−HK$480/mo
Today · 4.125%
HK$18,616
baseline
▲ 0.50% · 4.625%
HK$19,597
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,232/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,522
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,098
−HK$585/mo
Today · 4.125%
HK$19,683
baseline
▲ 0.50% · 4.625%
HK$20,881
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,366/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,605
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$561/mo
Today · 4.125%
HK$21,719
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,438/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,555
−HK$752/mo
Today · 4.125%
HK$25,307
baseline
▲ 0.50% · 4.625%
HK$26,847
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,614/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,493
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,203
−HK$721/mo
Today · 4.125%
HK$27,924
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,848/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,545 · 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).