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$829/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$418/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,898
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,088/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,701
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,096
−HK$400/mo
Today · 4.125%
HK$15,496
baseline
▲ 0.50% · 4.625%
HK$16,312
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,992/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,858
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,351
−HK$501/mo
Today · 4.125%
HK$16,852
baseline
▲ 0.50% · 4.625%
HK$17,878
+HK$1,026/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$130,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,642
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$480/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,575
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,190/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$585/mo
Today · 4.125%
HK$19,661
baseline
▲ 0.50% · 4.625%
HK$20,857
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,322/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,582
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,134
−HK$560/mo
Today · 4.125%
HK$21,694
baseline
▲ 0.50% · 4.625%
HK$22,837
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,388/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,787
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,527
−HK$751/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,817
+HK$1,539/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$130,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,463
−HK$1,429/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$130,396 · 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).