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$13,401
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,818
−HK$424/mo
Today · 4.125%
HK$14,242
baseline
▲ 0.50% · 4.625%
HK$15,108
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,484/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,909
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$406/mo
Today · 4.125%
HK$15,714
baseline
▲ 0.50% · 4.625%
HK$16,542
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,428/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,081
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$508/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$18,130
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,180/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,890
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$487/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$19,851
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,714/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,762
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,345
−HK$593/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$21,151
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,872
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$568/mo
Today · 4.125%
HK$22,000
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$44,000/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,872
−HK$763/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$730/mo
Today · 4.125%
HK$28,285
baseline
▲ 0.50% · 4.625%
HK$29,776
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,570/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,234 · 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).