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$13,215
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$417/mo
Today · 4.125%
HK$14,043
baseline
▲ 0.50% · 4.625%
HK$14,898
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,086/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,701
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,095
−HK$400/mo
Today · 4.125%
HK$15,495
baseline
▲ 0.50% · 4.625%
HK$16,312
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,990/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,857
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,351
−HK$501/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,877
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,704/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,641
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,114
−HK$480/mo
Today · 4.125%
HK$18,594
baseline
▲ 0.50% · 4.625%
HK$19,574
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,188/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,500
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$584/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,857
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,581
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$560/mo
Today · 4.125%
HK$21,693
baseline
▲ 0.50% · 4.625%
HK$22,837
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,386/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,786
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$752/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,538/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,556/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,462
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,172
−HK$720/mo
Today · 4.125%
HK$27,892
baseline
▲ 0.50% · 4.625%
HK$29,362
+HK$1,470/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,784/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,392 · 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).