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$13,442
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,860
−HK$425/mo
Today · 4.125%
HK$14,285
baseline
▲ 0.50% · 4.625%
HK$15,154
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,570/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,954
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,355
−HK$407/mo
Today · 4.125%
HK$15,762
baseline
▲ 0.50% · 4.625%
HK$16,593
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,524/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,130
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,632
−HK$510/mo
Today · 4.125%
HK$17,142
baseline
▲ 0.50% · 4.625%
HK$18,185
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,284/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,945
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,426
−HK$488/mo
Today · 4.125%
HK$18,914
baseline
▲ 0.50% · 4.625%
HK$19,911
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,828/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,819
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,404
−HK$595/mo
Today · 4.125%
HK$19,999
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$39,998/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,936
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,497
−HK$570/mo
Today · 4.125%
HK$22,067
baseline
▲ 0.50% · 4.625%
HK$23,230
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,134/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,196
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,948
−HK$765/mo
Today · 4.125%
HK$25,713
baseline
▲ 0.50% · 4.625%
HK$27,277
+HK$1,564/mo
Deposit HK$589K · loan HK$5.31M · min. income ≈ HK$51,426/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,917
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,639
−HK$733/mo
Today · 4.125%
HK$28,372
baseline
▲ 0.50% · 4.625%
HK$29,867
+HK$1,495/mo
Deposit HK$589K · loan HK$5.31M · min. income ≈ HK$56,744/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,637 · 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).