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$13,227
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$418/mo
Today · 4.125%
HK$14,057
baseline
▲ 0.50% · 4.625%
HK$14,912
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,114/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,110
−HK$400/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,328
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,873
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,366
−HK$502/mo
Today · 4.125%
HK$16,868
baseline
▲ 0.50% · 4.625%
HK$17,894
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,736/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,658
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,132
−HK$480/mo
Today · 4.125%
HK$18,612
baseline
▲ 0.50% · 4.625%
HK$19,593
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,224/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,518
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$585/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,601
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$560/mo
Today · 4.125%
HK$21,714
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,428/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,809
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$753/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$721/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,390
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,517 · 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).