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$13,243
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$419/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,930
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,148/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,733
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$401/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,347
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,892
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,386
−HK$502/mo
Today · 4.125%
HK$16,888
baseline
▲ 0.50% · 4.625%
HK$17,916
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,776/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,679
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$481/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,617
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,540
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,117
−HK$586/mo
Today · 4.125%
HK$19,703
baseline
▲ 0.50% · 4.625%
HK$20,902
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,406/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,626
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$561/mo
Today · 4.125%
HK$21,740
baseline
▲ 0.50% · 4.625%
HK$22,886
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,480/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,838
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$754/mo
Today · 4.125%
HK$25,333
baseline
▲ 0.50% · 4.625%
HK$26,874
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,666/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,519
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,230
−HK$722/mo
Today · 4.125%
HK$27,952
baseline
▲ 0.50% · 4.625%
HK$29,425
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,904/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,675 · 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).