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$13,240
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,652
−HK$419/mo
Today · 4.125%
HK$14,071
baseline
▲ 0.50% · 4.625%
HK$14,927
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,142/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,730
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$401/mo
Today · 4.125%
HK$15,526
baseline
▲ 0.50% · 4.625%
HK$16,344
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,052/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,888
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,383
−HK$502/mo
Today · 4.125%
HK$16,885
baseline
▲ 0.50% · 4.625%
HK$17,912
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,770/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,676
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,150
−HK$481/mo
Today · 4.125%
HK$18,631
baseline
▲ 0.50% · 4.625%
HK$19,613
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,262/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,537
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$586/mo
Today · 4.125%
HK$19,699
baseline
▲ 0.50% · 4.625%
HK$20,898
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,398/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,622
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,175
−HK$561/mo
Today · 4.125%
HK$21,736
baseline
▲ 0.50% · 4.625%
HK$22,882
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,472/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,833
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,574
−HK$753/mo
Today · 4.125%
HK$25,327
baseline
▲ 0.50% · 4.625%
HK$26,868
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,654/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,514
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$721/mo
Today · 4.125%
HK$27,946
baseline
▲ 0.50% · 4.625%
HK$29,419
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,892/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,648 · 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).