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$13,238
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,649
−HK$419/mo
Today · 4.125%
HK$14,068
baseline
▲ 0.50% · 4.625%
HK$14,924
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,136/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,727
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,122
−HK$400/mo
Today · 4.125%
HK$15,522
baseline
▲ 0.50% · 4.625%
HK$16,341
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,044/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,885
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,379
−HK$502/mo
Today · 4.125%
HK$16,881
baseline
▲ 0.50% · 4.625%
HK$17,908
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,762/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,672
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,146
−HK$481/mo
Today · 4.125%
HK$18,627
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,254/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,533
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,109
−HK$586/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,893
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,617
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,170
−HK$561/mo
Today · 4.125%
HK$21,731
baseline
▲ 0.50% · 4.625%
HK$22,877
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,462/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,828
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,569
−HK$753/mo
Today · 4.125%
HK$25,322
baseline
▲ 0.50% · 4.625%
HK$26,863
+HK$1,541/mo
Deposit HK$581K · loan HK$5.22M · min. income ≈ HK$50,644/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,508
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,219
−HK$721/mo
Today · 4.125%
HK$27,940
baseline
▲ 0.50% · 4.625%
HK$29,413
+HK$1,473/mo
Deposit HK$581K · loan HK$5.22M · min. income ≈ HK$55,880/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,620 · 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).