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$13,215
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$418/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,899
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,088/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,702
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,096
−HK$400/mo
Today · 4.125%
HK$15,496
baseline
▲ 0.50% · 4.625%
HK$16,313
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,992/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,858
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$501/mo
Today · 4.125%
HK$16,853
baseline
▲ 0.50% · 4.625%
HK$17,878
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,706/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,642
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$480/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,576
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,190/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,077
−HK$585/mo
Today · 4.125%
HK$19,662
baseline
▲ 0.50% · 4.625%
HK$20,858
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,324/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,583
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,135
−HK$560/mo
Today · 4.125%
HK$21,695
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,390/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,788
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,527
−HK$752/mo
Today · 4.125%
HK$25,279
baseline
▲ 0.50% · 4.625%
HK$26,817
+HK$1,538/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,558/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,463
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,173
−HK$720/mo
Today · 4.125%
HK$27,893
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,470/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,786/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,400 · 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).