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$13,353
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$422/mo
Today · 4.125%
HK$14,191
baseline
▲ 0.50% · 4.625%
HK$15,054
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,382/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,855
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$404/mo
Today · 4.125%
HK$15,658
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,316/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,024
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,522
−HK$507/mo
Today · 4.125%
HK$17,029
baseline
▲ 0.50% · 4.625%
HK$18,065
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,058/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,826
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,305
−HK$485/mo
Today · 4.125%
HK$18,790
baseline
▲ 0.50% · 4.625%
HK$19,780
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,580/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,695
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,276
−HK$591/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,797
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$566/mo
Today · 4.125%
HK$21,921
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,842/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,036
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,783
−HK$760/mo
Today · 4.125%
HK$25,543
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,554/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,086/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,740
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$727/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,761 · 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).