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$13,203
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,614
−HK$417/mo
Today · 4.125%
HK$14,031
baseline
▲ 0.50% · 4.625%
HK$14,885
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,062/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,688
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,082
−HK$400/mo
Today · 4.125%
HK$15,482
baseline
▲ 0.50% · 4.625%
HK$16,298
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,964/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,844
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,337
−HK$500/mo
Today · 4.125%
HK$16,837
baseline
▲ 0.50% · 4.625%
HK$17,862
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,674/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,626
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,099
−HK$479/mo
Today · 4.125%
HK$18,578
baseline
▲ 0.50% · 4.625%
HK$19,558
+HK$980/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,156/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,484
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,059
−HK$585/mo
Today · 4.125%
HK$19,644
baseline
▲ 0.50% · 4.625%
HK$20,839
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,288/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,564
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,115
−HK$560/mo
Today · 4.125%
HK$21,675
baseline
▲ 0.50% · 4.625%
HK$22,817
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,350/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,766
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,505
−HK$751/mo
Today · 4.125%
HK$25,256
baseline
▲ 0.50% · 4.625%
HK$26,793
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,512/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,439
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$720/mo
Today · 4.125%
HK$27,868
baseline
▲ 0.50% · 4.625%
HK$29,337
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,736/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,281 · 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).