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$13,222
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,634
−HK$417/mo
Today · 4.125%
HK$14,051
baseline
▲ 0.50% · 4.625%
HK$14,906
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,102/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,710
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,104
−HK$400/mo
Today · 4.125%
HK$15,504
baseline
▲ 0.50% · 4.625%
HK$16,322
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,008/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,360
−HK$502/mo
Today · 4.125%
HK$16,862
baseline
▲ 0.50% · 4.625%
HK$17,888
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,724/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,652
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,125
−HK$480/mo
Today · 4.125%
HK$18,605
baseline
▲ 0.50% · 4.625%
HK$19,586
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,210/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,511
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,087
−HK$585/mo
Today · 4.125%
HK$19,672
baseline
▲ 0.50% · 4.625%
HK$20,869
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,344/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,594
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,146
−HK$560/mo
Today · 4.125%
HK$21,706
baseline
▲ 0.50% · 4.625%
HK$22,850
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,412/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,800
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,540
−HK$753/mo
Today · 4.125%
HK$25,293
baseline
▲ 0.50% · 4.625%
HK$26,832
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,586/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,477
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,187
−HK$721/mo
Today · 4.125%
HK$27,908
baseline
▲ 0.50% · 4.625%
HK$29,379
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,816/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,469 · 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).