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$13,219
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,630
−HK$418/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,902
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,096/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,706
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$400/mo
Today · 4.125%
HK$15,500
baseline
▲ 0.50% · 4.625%
HK$16,317
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,000/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,862
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$501/mo
Today · 4.125%
HK$16,857
baseline
▲ 0.50% · 4.625%
HK$17,883
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,714/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,647
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$480/mo
Today · 4.125%
HK$18,600
baseline
▲ 0.50% · 4.625%
HK$19,581
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,200/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,506
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$585/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,863
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,588
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,140
−HK$560/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$22,844
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,794
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$752/mo
Today · 4.125%
HK$25,286
baseline
▲ 0.50% · 4.625%
HK$26,824
+HK$1,538/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,572/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,470
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,180
−HK$720/mo
Today · 4.125%
HK$27,900
baseline
▲ 0.50% · 4.625%
HK$29,371
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,800/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,434 · 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).