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$13,363
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$422/mo
Today · 4.125%
HK$14,201
baseline
▲ 0.50% · 4.625%
HK$15,065
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,402/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,866
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,265
−HK$404/mo
Today · 4.125%
HK$15,669
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,338/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,035
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,534
−HK$507/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$18,078
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,839
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$485/mo
Today · 4.125%
HK$18,803
baseline
▲ 0.50% · 4.625%
HK$19,794
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,606/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,290
−HK$591/mo
Today · 4.125%
HK$19,881
baseline
▲ 0.50% · 4.625%
HK$21,091
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,762/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,812
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,371
−HK$566/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,093
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,053
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,801
−HK$760/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$27,117
+HK$1,556/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,759
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,477
−HK$728/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,691
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,856 · 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).