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$13,365
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,781
−HK$422/mo
Today · 4.125%
HK$14,203
baseline
▲ 0.50% · 4.625%
HK$15,067
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,406/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,869
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,267
−HK$405/mo
Today · 4.125%
HK$15,672
baseline
▲ 0.50% · 4.625%
HK$16,498
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,344/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,038
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,537
−HK$507/mo
Today · 4.125%
HK$17,044
baseline
▲ 0.50% · 4.625%
HK$18,081
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,088/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$485/mo
Today · 4.125%
HK$18,806
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,612/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,711
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,293
−HK$591/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$21,094
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,816
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,374
−HK$567/mo
Today · 4.125%
HK$21,941
baseline
▲ 0.50% · 4.625%
HK$23,097
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,882/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,057
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$761/mo
Today · 4.125%
HK$25,566
baseline
▲ 0.50% · 4.625%
HK$27,121
+HK$1,555/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,132/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,763
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,481
−HK$728/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,696
+HK$1,487/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,878 · 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).