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$830/mo
▼ 0.25% · 3.875%
HK$13,651
−HK$419/mo
Today · 4.125%
HK$14,070
baseline
▲ 0.50% · 4.625%
HK$14,926
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,140/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,729
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,124
−HK$401/mo
Today · 4.125%
HK$15,525
baseline
▲ 0.50% · 4.625%
HK$16,343
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,050/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,887
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,382
−HK$502/mo
Today · 4.125%
HK$16,884
baseline
▲ 0.50% · 4.625%
HK$17,911
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,768/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,675
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,149
−HK$481/mo
Today · 4.125%
HK$18,630
baseline
▲ 0.50% · 4.625%
HK$19,612
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,260/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,535
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,112
−HK$586/mo
Today · 4.125%
HK$19,698
baseline
▲ 0.50% · 4.625%
HK$20,896
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,396/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,173
−HK$561/mo
Today · 4.125%
HK$21,734
baseline
▲ 0.50% · 4.625%
HK$22,880
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,468/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,831
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,572
−HK$754/mo
Today · 4.125%
HK$25,326
baseline
▲ 0.50% · 4.625%
HK$26,867
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,652/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,512
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,223
−HK$721/mo
Today · 4.125%
HK$27,944
baseline
▲ 0.50% · 4.625%
HK$29,417
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,888/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,639 · 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).