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$13,236
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,647
−HK$419/mo
Today · 4.125%
HK$14,066
baseline
▲ 0.50% · 4.625%
HK$14,922
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,132/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,725
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,120
−HK$400/mo
Today · 4.125%
HK$15,520
baseline
▲ 0.50% · 4.625%
HK$16,338
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,040/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,883
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,377
−HK$502/mo
Today · 4.125%
HK$16,879
baseline
▲ 0.50% · 4.625%
HK$17,906
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,758/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,670
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$481/mo
Today · 4.125%
HK$18,624
baseline
▲ 0.50% · 4.625%
HK$19,606
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,248/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,530
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$586/mo
Today · 4.125%
HK$19,692
baseline
▲ 0.50% · 4.625%
HK$20,890
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,384/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$561/mo
Today · 4.125%
HK$21,728
baseline
▲ 0.50% · 4.625%
HK$22,874
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,456/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,824
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,565
−HK$753/mo
Today · 4.125%
HK$25,318
baseline
▲ 0.50% · 4.625%
HK$26,859
+HK$1,541/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,636/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,504
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,215
−HK$721/mo
Today · 4.125%
HK$27,936
baseline
▲ 0.50% · 4.625%
HK$29,409
+HK$1,473/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,872/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,602 · 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).