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$13,208
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,619
−HK$417/mo
Today · 4.125%
HK$14,036
baseline
▲ 0.50% · 4.625%
HK$14,890
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,072/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,694
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,088
−HK$400/mo
Today · 4.125%
HK$15,488
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,976/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,850
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,343
−HK$501/mo
Today · 4.125%
HK$16,844
baseline
▲ 0.50% · 4.625%
HK$17,868
+HK$1,024/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,688/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,633
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,105
−HK$480/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,565
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,491
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,066
−HK$585/mo
Today · 4.125%
HK$19,651
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,302/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,571
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,123
−HK$560/mo
Today · 4.125%
HK$21,683
baseline
▲ 0.50% · 4.625%
HK$22,826
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,366/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,774
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,514
−HK$751/mo
Today · 4.125%
HK$25,265
baseline
▲ 0.50% · 4.625%
HK$26,803
+HK$1,538/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,530/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,449
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,158
−HK$720/mo
Today · 4.125%
HK$27,878
baseline
▲ 0.50% · 4.625%
HK$29,347
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,756/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,328 · 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).