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$13,420
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$424/mo
Today · 4.125%
HK$14,261
baseline
▲ 0.50% · 4.625%
HK$15,129
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,522/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,929
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,330
−HK$406/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,565
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,472/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,103
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$509/mo
Today · 4.125%
HK$17,113
baseline
▲ 0.50% · 4.625%
HK$18,155
+HK$1,042/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,226/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,915
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$488/mo
Today · 4.125%
HK$18,883
baseline
▲ 0.50% · 4.625%
HK$19,878
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,766/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,787
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$594/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,180
+HK$1,214/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,901
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,461
−HK$569/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,191
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,907
−HK$763/mo
Today · 4.125%
HK$25,670
baseline
▲ 0.50% · 4.625%
HK$27,232
+HK$1,562/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,340/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,872
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,593
−HK$731/mo
Today · 4.125%
HK$28,324
baseline
▲ 0.50% · 4.625%
HK$29,817
+HK$1,493/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,648/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,415 · 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).