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$13,233
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,645
−HK$418/mo
Today · 4.125%
HK$14,063
baseline
▲ 0.50% · 4.625%
HK$14,919
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,126/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,722
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,117
−HK$400/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,335
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,880
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,374
−HK$502/mo
Today · 4.125%
HK$16,876
baseline
▲ 0.50% · 4.625%
HK$17,902
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,752/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,666
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$480/mo
Today · 4.125%
HK$18,620
baseline
▲ 0.50% · 4.625%
HK$19,602
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,240/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,526
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$585/mo
Today · 4.125%
HK$19,688
baseline
▲ 0.50% · 4.625%
HK$20,886
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,376/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,610
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,163
−HK$561/mo
Today · 4.125%
HK$21,724
baseline
▲ 0.50% · 4.625%
HK$22,869
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,448/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,820
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,561
−HK$752/mo
Today · 4.125%
HK$25,313
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,541/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,626/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$721/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,403
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,576 · 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).