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$13,205
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,616
−HK$417/mo
Today · 4.125%
HK$14,033
baseline
▲ 0.50% · 4.625%
HK$14,887
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,066/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,690
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,084
−HK$400/mo
Today · 4.125%
HK$15,484
baseline
▲ 0.50% · 4.625%
HK$16,300
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,968/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,846
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,339
−HK$500/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,864
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,678/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,628
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$480/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,560
+HK$979/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,487
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$584/mo
Today · 4.125%
HK$19,646
baseline
▲ 0.50% · 4.625%
HK$20,841
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,292/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,118
−HK$559/mo
Today · 4.125%
HK$21,677
baseline
▲ 0.50% · 4.625%
HK$22,820
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,354/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,769
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,508
−HK$751/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,796
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,152
−HK$719/mo
Today · 4.125%
HK$27,871
baseline
▲ 0.50% · 4.625%
HK$29,340
+HK$1,469/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,742/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,296 · 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).