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$13,210
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$417/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,696
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$400/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,852
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,345
−HK$501/mo
Today · 4.125%
HK$16,846
baseline
▲ 0.50% · 4.625%
HK$17,871
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,692/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,635
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,108
−HK$479/mo
Today · 4.125%
HK$18,587
baseline
▲ 0.50% · 4.625%
HK$19,567
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,174/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$584/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,849
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,574
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,126
−HK$559/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$22,828
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,777
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,517
−HK$751/mo
Today · 4.125%
HK$25,268
baseline
▲ 0.50% · 4.625%
HK$26,806
+HK$1,538/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,536/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,452
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,161
−HK$720/mo
Today · 4.125%
HK$27,881
baseline
▲ 0.50% · 4.625%
HK$29,351
+HK$1,470/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,762/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,344 · 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).