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$13,379
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,795
−HK$423/mo
Today · 4.125%
HK$14,218
baseline
▲ 0.50% · 4.625%
HK$15,083
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,436/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,884
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,283
−HK$405/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,515
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,054
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$507/mo
Today · 4.125%
HK$17,061
baseline
▲ 0.50% · 4.625%
HK$18,099
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,122/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,860
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,339
−HK$486/mo
Today · 4.125%
HK$18,825
baseline
▲ 0.50% · 4.625%
HK$19,817
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,650/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,730
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$592/mo
Today · 4.125%
HK$19,905
baseline
▲ 0.50% · 4.625%
HK$21,116
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,810/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,837
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$567/mo
Today · 4.125%
HK$21,963
baseline
▲ 0.50% · 4.625%
HK$23,120
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,926/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,081
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$761/mo
Today · 4.125%
HK$25,592
baseline
▲ 0.50% · 4.625%
HK$27,149
+HK$1,557/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,184/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,790
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$729/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,726
+HK$1,488/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,011 · 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).