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$13,341
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$421/mo
Today · 4.125%
HK$14,177
baseline
▲ 0.50% · 4.625%
HK$15,040
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,354/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,841
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,239
−HK$404/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,468
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,286/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,009
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$506/mo
Today · 4.125%
HK$17,013
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,026/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,810
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,287
−HK$485/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,677
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,258
−HK$590/mo
Today · 4.125%
HK$19,848
baseline
▲ 0.50% · 4.625%
HK$21,056
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,696/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,778
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,335
−HK$565/mo
Today · 4.125%
HK$21,900
baseline
▲ 0.50% · 4.625%
HK$23,055
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,800/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,013
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,760
−HK$759/mo
Today · 4.125%
HK$25,519
baseline
▲ 0.50% · 4.625%
HK$27,072
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,038/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,714
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,431
−HK$727/mo
Today · 4.125%
HK$28,158
baseline
▲ 0.50% · 4.625%
HK$29,642
+HK$1,484/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,316/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,637 · 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).