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$13,369
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,785
−HK$422/mo
Today · 4.125%
HK$14,207
baseline
▲ 0.50% · 4.625%
HK$15,072
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,414/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,873
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$405/mo
Today · 4.125%
HK$15,676
baseline
▲ 0.50% · 4.625%
HK$16,502
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,352/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,042
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,542
−HK$506/mo
Today · 4.125%
HK$17,048
baseline
▲ 0.50% · 4.625%
HK$18,086
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,096/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,847
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,326
−HK$485/mo
Today · 4.125%
HK$18,811
baseline
▲ 0.50% · 4.625%
HK$19,803
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,622/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,716
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$592/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,780/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,822
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$567/mo
Today · 4.125%
HK$21,947
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,894/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,064
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$761/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$27,129
+HK$1,556/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,771
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$728/mo
Today · 4.125%
HK$28,217
baseline
▲ 0.50% · 4.625%
HK$29,704
+HK$1,487/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,434/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,914 · 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).