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$13,219
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,630
−HK$418/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,903
+HK$855/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,096/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,706
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$401/mo
Today · 4.125%
HK$15,501
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,002/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,863
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$502/mo
Today · 4.125%
HK$16,858
baseline
▲ 0.50% · 4.625%
HK$17,883
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,716/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,647
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,121
−HK$480/mo
Today · 4.125%
HK$18,601
baseline
▲ 0.50% · 4.625%
HK$19,581
+HK$980/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,202/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,507
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,082
−HK$585/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,864
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,589
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$560/mo
Today · 4.125%
HK$21,701
baseline
▲ 0.50% · 4.625%
HK$22,845
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,402/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,794
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$752/mo
Today · 4.125%
HK$25,286
baseline
▲ 0.50% · 4.625%
HK$26,825
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,572/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,471
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,181
−HK$720/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,372
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,437 · 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).