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$13,418
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,835
−HK$424/mo
Today · 4.125%
HK$14,259
baseline
▲ 0.50% · 4.625%
HK$15,127
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,518/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,927
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,327
−HK$406/mo
Today · 4.125%
HK$15,733
baseline
▲ 0.50% · 4.625%
HK$16,563
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,466/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,101
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,602
−HK$509/mo
Today · 4.125%
HK$17,111
baseline
▲ 0.50% · 4.625%
HK$18,152
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,222/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,912
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,393
−HK$487/mo
Today · 4.125%
HK$18,880
baseline
▲ 0.50% · 4.625%
HK$19,875
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,760/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,785
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,369
−HK$594/mo
Today · 4.125%
HK$19,963
baseline
▲ 0.50% · 4.625%
HK$21,177
+HK$1,214/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,926/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,898
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,458
−HK$569/mo
Today · 4.125%
HK$22,027
baseline
▲ 0.50% · 4.625%
HK$23,188
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,054/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,152
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$763/mo
Today · 4.125%
HK$25,666
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,562/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$51,332/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,868
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,589
−HK$731/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$29,813
+HK$1,493/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,396 · 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).