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$13,243
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,654
−HK$419/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,929
+HK$856/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,146/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,732
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$401/mo
Today · 4.125%
HK$15,528
baseline
▲ 0.50% · 4.625%
HK$16,347
+HK$819/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,056/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,891
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,385
−HK$503/mo
Today · 4.125%
HK$16,888
baseline
▲ 0.50% · 4.625%
HK$17,915
+HK$1,027/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,776/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,679
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,153
−HK$481/mo
Today · 4.125%
HK$18,634
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$982/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,268/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,540
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,116
−HK$586/mo
Today · 4.125%
HK$19,702
baseline
▲ 0.50% · 4.625%
HK$20,901
+HK$1,199/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$39,404/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,625
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$561/mo
Today · 4.125%
HK$21,739
baseline
▲ 0.50% · 4.625%
HK$22,885
+HK$1,146/mo
Deposit HK$1.74M · loan HK$4.07M · min. income ≈ HK$43,478/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$753/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,542/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,518
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$722/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,473/mo
Deposit HK$581K · loan HK$5.23M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,668 · 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).