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$13,216
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,627
−HK$418/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,899
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,090/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,703
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,097
−HK$400/mo
Today · 4.125%
HK$15,497
baseline
▲ 0.50% · 4.625%
HK$16,314
+HK$817/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$30,994/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,859
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$502/mo
Today · 4.125%
HK$16,854
baseline
▲ 0.50% · 4.625%
HK$17,879
+HK$1,025/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,708/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,643
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,116
−HK$480/mo
Today · 4.125%
HK$18,596
baseline
▲ 0.50% · 4.625%
HK$19,577
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,192/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,502
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,078
−HK$585/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,859
+HK$1,196/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,584
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,136
−HK$560/mo
Today · 4.125%
HK$21,696
baseline
▲ 0.50% · 4.625%
HK$22,839
+HK$1,143/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,392/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,789
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,529
−HK$751/mo
Today · 4.125%
HK$25,280
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,560/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,465
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,174
−HK$720/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,365
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,406 · 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).