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$13,239
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,650
−HK$419/mo
Today · 4.125%
HK$14,069
baseline
▲ 0.50% · 4.625%
HK$14,925
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,138/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,728
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,123
−HK$400/mo
Today · 4.125%
HK$15,523
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,046/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,886
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,380
−HK$503/mo
Today · 4.125%
HK$16,883
baseline
▲ 0.50% · 4.625%
HK$17,910
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,766/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,673
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,147
−HK$481/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,610
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,534
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,111
−HK$585/mo
Today · 4.125%
HK$19,696
baseline
▲ 0.50% · 4.625%
HK$20,895
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,392/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,619
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,172
−HK$561/mo
Today · 4.125%
HK$21,733
baseline
▲ 0.50% · 4.625%
HK$22,878
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,466/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,829
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,571
−HK$753/mo
Today · 4.125%
HK$25,324
baseline
▲ 0.50% · 4.625%
HK$26,865
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,648/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,221
−HK$721/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,630 · 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).