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$13,344
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$422/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$15,044
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,362/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,845
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$404/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,472
+HK$824/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,013
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,511
−HK$506/mo
Today · 4.125%
HK$17,017
baseline
▲ 0.50% · 4.625%
HK$18,053
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,034/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,815
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$485/mo
Today · 4.125%
HK$18,777
baseline
▲ 0.50% · 4.625%
HK$19,767
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,554/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,682
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$591/mo
Today · 4.125%
HK$19,854
baseline
▲ 0.50% · 4.625%
HK$21,062
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,708/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,784
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,341
−HK$566/mo
Today · 4.125%
HK$21,907
baseline
▲ 0.50% · 4.625%
HK$23,061
+HK$1,154/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,814/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,020
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,767
−HK$759/mo
Today · 4.125%
HK$25,526
baseline
▲ 0.50% · 4.625%
HK$27,079
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,052/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,722
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$728/mo
Today · 4.125%
HK$28,166
baseline
▲ 0.50% · 4.625%
HK$29,650
+HK$1,484/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,332/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,673 · 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).