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$13,386
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$423/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,450/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,892
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$405/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,524
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,392/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,063
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,563
−HK$507/mo
Today · 4.125%
HK$17,070
baseline
▲ 0.50% · 4.625%
HK$18,109
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,140/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,870
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$487/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,828
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$593/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,848
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$567/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,095
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$762/mo
Today · 4.125%
HK$25,606
baseline
▲ 0.50% · 4.625%
HK$27,164
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,212/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,805
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$729/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,743
+HK$1,490/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,084 · 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).