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$13,426
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,843
−HK$425/mo
Today · 4.125%
HK$14,268
baseline
▲ 0.50% · 4.625%
HK$15,136
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,536/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,936
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,337
−HK$406/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,573
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,486/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,111
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,612
−HK$509/mo
Today · 4.125%
HK$17,121
baseline
▲ 0.50% · 4.625%
HK$18,163
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,242/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,923
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,404
−HK$488/mo
Today · 4.125%
HK$18,892
baseline
▲ 0.50% · 4.625%
HK$19,887
+HK$995/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,784/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,796
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,381
−HK$594/mo
Today · 4.125%
HK$19,975
baseline
▲ 0.50% · 4.625%
HK$21,190
+HK$1,215/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,950/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$569/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$764/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,606
−HK$731/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$29,831
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,477 · 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).