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$829/mo
▼ 0.25% · 3.875%
HK$13,624
−HK$418/mo
Today · 4.125%
HK$14,042
baseline
▲ 0.50% · 4.625%
HK$14,896
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,084/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,700
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,094
−HK$400/mo
Today · 4.125%
HK$15,494
baseline
▲ 0.50% · 4.625%
HK$16,311
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,988/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,856
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,349
−HK$501/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,640
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,113
−HK$480/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,573
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,186/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,499
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,074
−HK$585/mo
Today · 4.125%
HK$19,659
baseline
▲ 0.50% · 4.625%
HK$20,855
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,318/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,580
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$560/mo
Today · 4.125%
HK$21,692
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,384/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,784
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,524
−HK$752/mo
Today · 4.125%
HK$25,276
baseline
▲ 0.50% · 4.625%
HK$26,814
+HK$1,538/mo
Deposit HK$579K · loan HK$5.22M · min. income ≈ HK$50,552/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,460
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,169
−HK$720/mo
Today · 4.125%
HK$27,889
baseline
▲ 0.50% · 4.625%
HK$29,359
+HK$1,470/mo
Deposit HK$579K · loan HK$5.22M · min. income ≈ HK$55,778/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,381 · 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).