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$13,245
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,657
−HK$418/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$857/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,150/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,735
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$401/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,349
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,894
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,388
−HK$502/mo
Today · 4.125%
HK$16,890
baseline
▲ 0.50% · 4.625%
HK$17,918
+HK$1,028/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$33,780/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,682
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,156
−HK$481/mo
Today · 4.125%
HK$18,637
baseline
▲ 0.50% · 4.625%
HK$19,619
+HK$982/mo
Deposit HK$2.32M · loan HK$3.49M · min. income ≈ HK$37,274/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,543
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,120
−HK$586/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,629
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,182
−HK$561/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,841
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$754/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,541/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,234
−HK$721/mo
Today · 4.125%
HK$27,955
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,474/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,910/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$130,691 · 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).