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$13,218
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,629
−HK$417/mo
Today · 4.125%
HK$14,046
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,092/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,704
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,099
−HK$400/mo
Today · 4.125%
HK$15,499
baseline
▲ 0.50% · 4.625%
HK$16,316
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,998/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,861
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,354
−HK$502/mo
Today · 4.125%
HK$16,856
baseline
▲ 0.50% · 4.625%
HK$17,881
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,712/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,645
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,119
−HK$480/mo
Today · 4.125%
HK$18,599
baseline
▲ 0.50% · 4.625%
HK$19,579
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,198/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,505
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$585/mo
Today · 4.125%
HK$19,665
baseline
▲ 0.50% · 4.625%
HK$20,862
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,330/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,138
−HK$560/mo
Today · 4.125%
HK$21,698
baseline
▲ 0.50% · 4.625%
HK$22,842
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,396/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,792
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$752/mo
Today · 4.125%
HK$25,284
baseline
▲ 0.50% · 4.625%
HK$26,822
+HK$1,538/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,568/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,468
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,178
−HK$720/mo
Today · 4.125%
HK$27,898
baseline
▲ 0.50% · 4.625%
HK$29,369
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,796/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,423 · 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).