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$13,229
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$418/mo
Today · 4.125%
HK$14,059
baseline
▲ 0.50% · 4.625%
HK$14,914
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,118/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,717
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$400/mo
Today · 4.125%
HK$15,512
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,024/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,875
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,369
−HK$501/mo
Today · 4.125%
HK$16,870
baseline
▲ 0.50% · 4.625%
HK$17,897
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,740/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,661
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,134
−HK$481/mo
Today · 4.125%
HK$18,615
baseline
▲ 0.50% · 4.625%
HK$19,596
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,230/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,521
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,097
−HK$585/mo
Today · 4.125%
HK$19,682
baseline
▲ 0.50% · 4.625%
HK$20,880
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,364/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,604
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,157
−HK$560/mo
Today · 4.125%
HK$21,717
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,434/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,812
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,553
−HK$753/mo
Today · 4.125%
HK$25,306
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,612/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,491
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,202
−HK$720/mo
Today · 4.125%
HK$27,922
baseline
▲ 0.50% · 4.625%
HK$29,394
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,844/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,536 · 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).