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$13,227
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$418/mo
Today · 4.125%
HK$14,056
baseline
▲ 0.50% · 4.625%
HK$14,912
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,112/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$401/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,327
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,872
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,366
−HK$502/mo
Today · 4.125%
HK$16,868
baseline
▲ 0.50% · 4.625%
HK$17,894
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,736/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,658
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,131
−HK$481/mo
Today · 4.125%
HK$18,612
baseline
▲ 0.50% · 4.625%
HK$19,593
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,224/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,518
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$585/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,876
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,601
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,153
−HK$561/mo
Today · 4.125%
HK$21,714
baseline
▲ 0.50% · 4.625%
HK$22,858
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,428/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,808
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$752/mo
Today · 4.125%
HK$25,301
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,602/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$721/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,389
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,514 · 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).