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$13,396
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$424/mo
Today · 4.125%
HK$14,236
baseline
▲ 0.50% · 4.625%
HK$15,102
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,472/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,902
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,302
−HK$406/mo
Today · 4.125%
HK$15,708
baseline
▲ 0.50% · 4.625%
HK$16,536
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,416/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,075
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,575
−HK$508/mo
Today · 4.125%
HK$17,083
baseline
▲ 0.50% · 4.625%
HK$18,122
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,166/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,883
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$486/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,843
+HK$994/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,754
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,337
−HK$593/mo
Today · 4.125%
HK$19,930
baseline
▲ 0.50% · 4.625%
HK$21,143
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,860/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,423
−HK$568/mo
Today · 4.125%
HK$21,991
baseline
▲ 0.50% · 4.625%
HK$23,150
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,982/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,112
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,862
−HK$762/mo
Today · 4.125%
HK$25,624
baseline
▲ 0.50% · 4.625%
HK$27,183
+HK$1,559/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$51,248/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,824
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,544
−HK$730/mo
Today · 4.125%
HK$28,274
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,490/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$56,548/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,179 · 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).