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$13,221
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,633
−HK$418/mo
Today · 4.125%
HK$14,051
baseline
▲ 0.50% · 4.625%
HK$14,905
+HK$854/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$28,102/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,709
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,103
−HK$400/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,321
+HK$818/mo
Deposit HK$2.90M · loan HK$2.90M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$130,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,866
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$502/mo
Today · 4.125%
HK$16,861
baseline
▲ 0.50% · 4.625%
HK$17,887
+HK$1,026/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$33,722/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,650
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,124
−HK$480/mo
Today · 4.125%
HK$18,604
baseline
▲ 0.50% · 4.625%
HK$19,585
+HK$981/mo
Deposit HK$2.32M · loan HK$3.48M · min. income ≈ HK$37,208/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$130,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,510
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$585/mo
Today · 4.125%
HK$19,671
baseline
▲ 0.50% · 4.625%
HK$20,868
+HK$1,197/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$39,342/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,592
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,144
−HK$561/mo
Today · 4.125%
HK$21,705
baseline
▲ 0.50% · 4.625%
HK$22,849
+HK$1,144/mo
Deposit HK$1.74M · loan HK$4.06M · min. income ≈ HK$43,410/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$130,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,799
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,539
−HK$752/mo
Today · 4.125%
HK$25,291
baseline
▲ 0.50% · 4.625%
HK$26,830
+HK$1,539/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,582/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,476
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$720/mo
Today · 4.125%
HK$27,906
baseline
▲ 0.50% · 4.625%
HK$29,377
+HK$1,471/mo
Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$55,812/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$130,461 · 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).