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$13,370
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,786
−HK$422/mo
Today · 4.125%
HK$14,208
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,416/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,874
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,273
−HK$404/mo
Today · 4.125%
HK$15,677
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,354/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,044
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,543
−HK$507/mo
Today · 4.125%
HK$17,050
baseline
▲ 0.50% · 4.625%
HK$18,087
+HK$1,037/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,100/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,848
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,327
−HK$486/mo
Today · 4.125%
HK$18,813
baseline
▲ 0.50% · 4.625%
HK$19,804
+HK$991/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,626/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,718
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$591/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,823
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$566/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,105
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,896/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,065
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$761/mo
Today · 4.125%
HK$25,575
baseline
▲ 0.50% · 4.625%
HK$27,131
+HK$1,556/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,150/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,773
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,491
−HK$728/mo
Today · 4.125%
HK$28,219
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,487/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,438/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,924 · 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).