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$13,213
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,623
−HK$418/mo
Today · 4.125%
HK$14,041
baseline
▲ 0.50% · 4.625%
HK$14,895
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,082/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,699
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,093
−HK$400/mo
Today · 4.125%
HK$15,493
baseline
▲ 0.50% · 4.625%
HK$16,310
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,986/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,855
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,348
−HK$501/mo
Today · 4.125%
HK$16,849
baseline
▲ 0.50% · 4.625%
HK$17,875
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,698/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,639
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,112
−HK$480/mo
Today · 4.125%
HK$18,592
baseline
▲ 0.50% · 4.625%
HK$19,571
+HK$979/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,184/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,498
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,073
−HK$584/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,854
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,578
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,130
−HK$560/mo
Today · 4.125%
HK$21,690
baseline
▲ 0.50% · 4.625%
HK$22,833
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,380/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,783
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,522
−HK$752/mo
Today · 4.125%
HK$25,274
baseline
▲ 0.50% · 4.625%
HK$26,812
+HK$1,538/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,548/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,458
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,167
−HK$720/mo
Today · 4.125%
HK$27,887
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,470/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,774/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,372 · 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).