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$13,207
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,618
−HK$417/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,889
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,070/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,693
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$399/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,303
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,972/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,848
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,341
−HK$501/mo
Today · 4.125%
HK$16,842
baseline
▲ 0.50% · 4.625%
HK$17,867
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,684/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,631
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,104
−HK$480/mo
Today · 4.125%
HK$18,584
baseline
▲ 0.50% · 4.625%
HK$19,563
+HK$979/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,168/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,490
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,065
−HK$584/mo
Today · 4.125%
HK$19,649
baseline
▲ 0.50% · 4.625%
HK$20,845
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,298/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,570
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$560/mo
Today · 4.125%
HK$21,681
baseline
▲ 0.50% · 4.625%
HK$22,824
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,362/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,772
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,512
−HK$751/mo
Today · 4.125%
HK$25,263
baseline
▲ 0.50% · 4.625%
HK$26,800
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,526/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,447
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,156
−HK$719/mo
Today · 4.125%
HK$27,875
baseline
▲ 0.50% · 4.625%
HK$29,345
+HK$1,470/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,750/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,317 · 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).