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$13,452
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,871
−HK$425/mo
Today · 4.125%
HK$14,296
baseline
▲ 0.50% · 4.625%
HK$15,166
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,592/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,966
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,367
−HK$407/mo
Today · 4.125%
HK$15,774
baseline
▲ 0.50% · 4.625%
HK$16,606
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,548/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,143
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,645
−HK$510/mo
Today · 4.125%
HK$17,155
baseline
▲ 0.50% · 4.625%
HK$18,199
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,310/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,959
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$489/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,833
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$595/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,232
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,952
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$570/mo
Today · 4.125%
HK$22,084
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,168/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,214
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$766/mo
Today · 4.125%
HK$25,733
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,466/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,938
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$733/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$29,890
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,738 · 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).