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$13,248
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,660
−HK$418/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,935
+HK$857/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,156/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,738
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,133
−HK$401/mo
Today · 4.125%
HK$15,534
baseline
▲ 0.50% · 4.625%
HK$16,353
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,068/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$130,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,897
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$502/mo
Today · 4.125%
HK$16,894
baseline
▲ 0.50% · 4.625%
HK$17,922
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,788/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,685
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,160
−HK$481/mo
Today · 4.125%
HK$18,641
baseline
▲ 0.50% · 4.625%
HK$19,623
+HK$982/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,282/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,547
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,124
−HK$586/mo
Today · 4.125%
HK$19,710
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,420/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,633
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,186
−HK$562/mo
Today · 4.125%
HK$21,748
baseline
▲ 0.50% · 4.625%
HK$22,894
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,496/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,846
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,587
−HK$754/mo
Today · 4.125%
HK$25,341
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,682/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,528
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,240
−HK$721/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,719 · 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).