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$13,245
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,657
−HK$419/mo
Today · 4.125%
HK$14,076
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,152/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,735
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,131
−HK$400/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,350
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,894
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,389
−HK$502/mo
Today · 4.125%
HK$16,891
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,782/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,682
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$481/mo
Today · 4.125%
HK$18,638
baseline
▲ 0.50% · 4.625%
HK$19,620
+HK$982/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,276/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,544
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,120
−HK$586/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,630
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,183
−HK$561/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$22,890
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$754/mo
Today · 4.125%
HK$25,337
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,674/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,235
−HK$722/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,697 · 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).