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$13,204
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$417/mo
Today · 4.125%
HK$14,032
baseline
▲ 0.50% · 4.625%
HK$14,886
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,064/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,690
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,084
−HK$399/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,299
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,966/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,845
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$501/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$1,024/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,678/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,628
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$480/mo
Today · 4.125%
HK$18,580
baseline
▲ 0.50% · 4.625%
HK$19,559
+HK$979/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,160/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,486
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,061
−HK$584/mo
Today · 4.125%
HK$19,645
baseline
▲ 0.50% · 4.625%
HK$20,841
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,290/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,117
−HK$560/mo
Today · 4.125%
HK$21,677
baseline
▲ 0.50% · 4.625%
HK$22,819
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,354/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,768
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,507
−HK$751/mo
Today · 4.125%
HK$25,258
baseline
▲ 0.50% · 4.625%
HK$26,795
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,516/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,441
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$719/mo
Today · 4.125%
HK$27,870
baseline
▲ 0.50% · 4.625%
HK$29,339
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,740/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,292 · 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).