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$13,360
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$423/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,863
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$405/mo
Today · 4.125%
HK$15,666
baseline
▲ 0.50% · 4.625%
HK$16,491
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,332/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,032
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,531
−HK$506/mo
Today · 4.125%
HK$17,037
baseline
▲ 0.50% · 4.625%
HK$18,074
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,074/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,835
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,314
−HK$485/mo
Today · 4.125%
HK$18,799
baseline
▲ 0.50% · 4.625%
HK$19,790
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,598/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,704
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,286
−HK$591/mo
Today · 4.125%
HK$19,877
baseline
▲ 0.50% · 4.625%
HK$21,086
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,754/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,808
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,366
−HK$566/mo
Today · 4.125%
HK$21,932
baseline
▲ 0.50% · 4.625%
HK$23,088
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,864/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,048
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,796
−HK$760/mo
Today · 4.125%
HK$25,556
baseline
▲ 0.50% · 4.625%
HK$27,111
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,112/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,753
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,470
−HK$728/mo
Today · 4.125%
HK$28,198
baseline
▲ 0.50% · 4.625%
HK$29,685
+HK$1,487/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,396/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,826 · 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).