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$13,355
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$422/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,384/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,255
−HK$405/mo
Today · 4.125%
HK$15,660
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,320/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,026
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,524
−HK$506/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$18,067
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,828
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,306
−HK$485/mo
Today · 4.125%
HK$18,791
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$991/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,582/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$591/mo
Today · 4.125%
HK$19,869
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,738/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,800
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,357
−HK$566/mo
Today · 4.125%
HK$21,923
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,846/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,038
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$760/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,554/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,742
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$727/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,673
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,775 · 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).