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$13,357
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,772
−HK$422/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$15,058
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,388/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,859
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$404/mo
Today · 4.125%
HK$15,662
baseline
▲ 0.50% · 4.625%
HK$16,487
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,324/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,028
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,526
−HK$507/mo
Today · 4.125%
HK$17,033
baseline
▲ 0.50% · 4.625%
HK$18,069
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,066/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,831
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,309
−HK$485/mo
Today · 4.125%
HK$18,794
baseline
▲ 0.50% · 4.625%
HK$19,785
+HK$991/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,588/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,699
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,281
−HK$591/mo
Today · 4.125%
HK$19,872
baseline
▲ 0.50% · 4.625%
HK$21,081
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,744/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,803
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,361
−HK$566/mo
Today · 4.125%
HK$21,927
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,854/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,042
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$760/mo
Today · 4.125%
HK$25,550
baseline
▲ 0.50% · 4.625%
HK$27,104
+HK$1,554/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,100/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,746
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,464
−HK$727/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,677
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,794 · 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).