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$13,242
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,654
−HK$418/mo
Today · 4.125%
HK$14,072
baseline
▲ 0.50% · 4.625%
HK$14,928
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,144/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,731
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,126
−HK$401/mo
Today · 4.125%
HK$15,527
baseline
▲ 0.50% · 4.625%
HK$16,346
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,054/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,890
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,384
−HK$502/mo
Today · 4.125%
HK$16,886
baseline
▲ 0.50% · 4.625%
HK$17,914
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,772/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,678
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,152
−HK$481/mo
Today · 4.125%
HK$18,633
baseline
▲ 0.50% · 4.625%
HK$19,615
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,266/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,538
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$586/mo
Today · 4.125%
HK$19,701
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,402/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,624
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,177
−HK$561/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$22,884
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,835
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,576
−HK$754/mo
Today · 4.125%
HK$25,330
baseline
▲ 0.50% · 4.625%
HK$26,871
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,660/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,516
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,227
−HK$722/mo
Today · 4.125%
HK$27,949
baseline
▲ 0.50% · 4.625%
HK$29,422
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,898/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,660 · 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).