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$13,453
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,871
−HK$425/mo
Today · 4.125%
HK$14,296
baseline
▲ 0.50% · 4.625%
HK$15,166
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,592/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,966
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,367
−HK$408/mo
Today · 4.125%
HK$15,775
baseline
▲ 0.50% · 4.625%
HK$16,606
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,550/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,143
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,646
−HK$510/mo
Today · 4.125%
HK$17,156
baseline
▲ 0.50% · 4.625%
HK$18,200
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,312/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,959
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$489/mo
Today · 4.125%
HK$18,930
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,860/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,834
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,420
−HK$595/mo
Today · 4.125%
HK$20,015
baseline
▲ 0.50% · 4.625%
HK$21,233
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,030/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,953
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$571/mo
Today · 4.125%
HK$22,085
baseline
▲ 0.50% · 4.625%
HK$23,249
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,170/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,215
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$766/mo
Today · 4.125%
HK$25,734
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,468/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,939
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$733/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,744 · 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).