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$13,348
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,763
−HK$422/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$15,048
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,370/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,849
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,248
−HK$404/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,477
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,017
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,516
−HK$506/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$18,058
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,044/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,819
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,297
−HK$485/mo
Today · 4.125%
HK$18,782
baseline
▲ 0.50% · 4.625%
HK$19,772
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,564/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,687
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,268
−HK$591/mo
Today · 4.125%
HK$19,859
baseline
▲ 0.50% · 4.625%
HK$21,067
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,718/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,789
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,347
−HK$565/mo
Today · 4.125%
HK$21,912
baseline
▲ 0.50% · 4.625%
HK$23,067
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,824/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,026
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,773
−HK$760/mo
Today · 4.125%
HK$25,533
baseline
▲ 0.50% · 4.625%
HK$27,086
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,066/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,729
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,446
−HK$727/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,658
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,707 · 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).