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$13,438
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$425/mo
Today · 4.125%
HK$14,281
baseline
▲ 0.50% · 4.625%
HK$15,149
+HK$868/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,562/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,950
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,350
−HK$407/mo
Today · 4.125%
HK$15,757
baseline
▲ 0.50% · 4.625%
HK$16,588
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,514/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,125
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$510/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,179
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,939
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,421
−HK$488/mo
Today · 4.125%
HK$18,909
baseline
▲ 0.50% · 4.625%
HK$19,905
+HK$996/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,818/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,813
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,398
−HK$595/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,209
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,929
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,491
−HK$569/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,223
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,188
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,941
−HK$764/mo
Today · 4.125%
HK$25,705
baseline
▲ 0.50% · 4.625%
HK$27,269
+HK$1,564/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,410/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,909
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$732/mo
Today · 4.125%
HK$28,363
baseline
▲ 0.50% · 4.625%
HK$29,858
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,726/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,596 · 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).