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$13,226
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$418/mo
Today · 4.125%
HK$14,056
baseline
▲ 0.50% · 4.625%
HK$14,911
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,112/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,714
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$400/mo
Today · 4.125%
HK$15,509
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,018/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,871
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,365
−HK$502/mo
Today · 4.125%
HK$16,867
baseline
▲ 0.50% · 4.625%
HK$17,893
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,734/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,657
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,130
−HK$481/mo
Today · 4.125%
HK$18,611
baseline
▲ 0.50% · 4.625%
HK$19,592
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,222/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,517
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,093
−HK$585/mo
Today · 4.125%
HK$19,678
baseline
▲ 0.50% · 4.625%
HK$20,875
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,356/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,599
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,152
−HK$560/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$22,857
+HK$1,145/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,807
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$752/mo
Today · 4.125%
HK$25,300
baseline
▲ 0.50% · 4.625%
HK$26,839
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,600/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,485
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$721/mo
Today · 4.125%
HK$27,916
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,832/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,507 · 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).