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$13,642
−HK$418/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$130,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,719
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,113
−HK$401/mo
Today · 4.125%
HK$15,514
baseline
▲ 0.50% · 4.625%
HK$16,331
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,028/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,547 · 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$130,547 · 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$19,598
+HK$982/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$130,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,522
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,098
−HK$586/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,882
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,368/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,606
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,159
−HK$560/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$130,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,555
−HK$753/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,848
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,493
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$721/mo
Today · 4.125%
HK$27,925
baseline
▲ 0.50% · 4.625%
HK$29,397
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,850/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,547 · 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).