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$13,244
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$418/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$857/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,148/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,733
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,129
−HK$400/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,892
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,387
−HK$502/mo
Today · 4.125%
HK$16,889
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,778/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,680
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$481/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$983/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,541
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$586/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,627
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,180
−HK$561/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$22,887
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,839
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,580
−HK$754/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,875
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,520
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$721/mo
Today · 4.125%
HK$27,953
baseline
▲ 0.50% · 4.625%
HK$29,427
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,906/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,680 · 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).