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$13,618
−HK$418/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$130,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,693
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$400/mo
Today · 4.125%
HK$15,487
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,974/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,849
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,342
−HK$501/mo
Today · 4.125%
HK$16,843
baseline
▲ 0.50% · 4.625%
HK$17,868
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,686/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,632
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,105
−HK$480/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,564
+HK$979/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$130,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,491
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,066
−HK$584/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,846
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,571
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,122
−HK$560/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$22,825
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,774
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,513
−HK$752/mo
Today · 4.125%
HK$25,265
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,537/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$130,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,448
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$720/mo
Today · 4.125%
HK$27,877
baseline
▲ 0.50% · 4.625%
HK$29,346
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,754/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,325 · 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).