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$13,463
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,882
−HK$425/mo
Today · 4.125%
HK$14,307
baseline
▲ 0.50% · 4.625%
HK$15,178
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,614/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$408/mo
Today · 4.125%
HK$15,787
baseline
▲ 0.50% · 4.625%
HK$16,619
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,574/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,155
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,658
−HK$511/mo
Today · 4.125%
HK$17,169
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,338/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,973
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,455
−HK$489/mo
Today · 4.125%
HK$18,944
baseline
▲ 0.50% · 4.625%
HK$19,942
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,888/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,848
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$596/mo
Today · 4.125%
HK$20,030
baseline
▲ 0.50% · 4.625%
HK$21,249
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,060/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,968
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,531
−HK$570/mo
Today · 4.125%
HK$22,101
baseline
▲ 0.50% · 4.625%
HK$23,266
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,202/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,233
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,987
−HK$766/mo
Today · 4.125%
HK$25,753
baseline
▲ 0.50% · 4.625%
HK$27,320
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,506/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,959
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$734/mo
Today · 4.125%
HK$28,416
baseline
▲ 0.50% · 4.625%
HK$29,914
+HK$1,498/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,832/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,843 · 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).