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$13,212
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,623
−HK$417/mo
Today · 4.125%
HK$14,040
baseline
▲ 0.50% · 4.625%
HK$14,895
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,080/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,698
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,092
−HK$400/mo
Today · 4.125%
HK$15,492
baseline
▲ 0.50% · 4.625%
HK$16,309
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,984/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,854
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,347
−HK$501/mo
Today · 4.125%
HK$16,848
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,696/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,638
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,111
−HK$479/mo
Today · 4.125%
HK$18,590
baseline
▲ 0.50% · 4.625%
HK$19,570
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,180/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,496
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,072
−HK$584/mo
Today · 4.125%
HK$19,656
baseline
▲ 0.50% · 4.625%
HK$20,852
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,312/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,577
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$560/mo
Today · 4.125%
HK$21,689
baseline
▲ 0.50% · 4.625%
HK$22,832
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,378/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,781
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,521
−HK$751/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,538/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,456
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,166
−HK$720/mo
Today · 4.125%
HK$27,886
baseline
▲ 0.50% · 4.625%
HK$29,356
+HK$1,470/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,772/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,365 · 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).