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$829/mo
▼ 0.25% · 3.875%
HK$13,616
−HK$418/mo
Today · 4.125%
HK$14,034
baseline
▲ 0.50% · 4.625%
HK$14,887
+HK$853/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,068/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,691
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,085
−HK$400/mo
Today · 4.125%
HK$15,485
baseline
▲ 0.50% · 4.625%
HK$16,301
+HK$816/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,970/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,847
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$500/mo
Today · 4.125%
HK$16,840
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$33,680/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,629
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$480/mo
Today · 4.125%
HK$18,582
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$979/mo
Deposit HK$2.32M · loan HK$3.47M · min. income ≈ HK$37,164/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,488
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$584/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,842
+HK$1,195/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,567
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$560/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,142/mo
Deposit HK$1.74M · loan HK$4.05M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,770
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$751/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,537/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$719/mo
Today · 4.125%
HK$27,872
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,470/mo
Deposit HK$579K · loan HK$5.21M · min. income ≈ HK$55,744/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$130,303 · 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).