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$13,450
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$425/mo
Today · 4.125%
HK$14,294
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,588/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,963
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$407/mo
Today · 4.125%
HK$15,772
baseline
▲ 0.50% · 4.625%
HK$16,603
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,544/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,140
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,642
−HK$511/mo
Today · 4.125%
HK$17,153
baseline
▲ 0.50% · 4.625%
HK$18,196
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,306/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,956
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,438
−HK$488/mo
Today · 4.125%
HK$18,926
baseline
▲ 0.50% · 4.625%
HK$19,924
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,852/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,830
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,416
−HK$595/mo
Today · 4.125%
HK$20,011
baseline
▲ 0.50% · 4.625%
HK$21,229
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,022/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,949
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,511
−HK$570/mo
Today · 4.125%
HK$22,081
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,162/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,211
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,964
−HK$765/mo
Today · 4.125%
HK$25,729
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,458/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,934
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$733/mo
Today · 4.125%
HK$28,389
baseline
▲ 0.50% · 4.625%
HK$29,886
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,778/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,719 · 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).