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$13,232
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,643
−HK$419/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,917
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,124/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,720
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,115
−HK$401/mo
Today · 4.125%
HK$15,516
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,032/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,878
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,372
−HK$502/mo
Today · 4.125%
HK$16,874
baseline
▲ 0.50% · 4.625%
HK$17,901
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,748/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,664
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,138
−HK$481/mo
Today · 4.125%
HK$18,619
baseline
▲ 0.50% · 4.625%
HK$19,600
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,238/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,525
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,101
−HK$585/mo
Today · 4.125%
HK$19,686
baseline
▲ 0.50% · 4.625%
HK$20,884
+HK$1,198/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,372/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,608
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,161
−HK$561/mo
Today · 4.125%
HK$21,722
baseline
▲ 0.50% · 4.625%
HK$22,867
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,444/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,817
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,558
−HK$753/mo
Today · 4.125%
HK$25,311
baseline
▲ 0.50% · 4.625%
HK$26,851
+HK$1,540/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,622/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,496
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,207
−HK$721/mo
Today · 4.125%
HK$27,928
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,472/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,856/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,563 · 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).