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$13,453
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,872
−HK$425/mo
Today · 4.125%
HK$14,297
baseline
▲ 0.50% · 4.625%
HK$15,167
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,594/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,967
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,368
−HK$407/mo
Today · 4.125%
HK$15,775
baseline
▲ 0.50% · 4.625%
HK$16,607
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,550/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,144
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,646
−HK$511/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,200
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,960
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,442
−HK$489/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$19,928
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,835
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,421
−HK$595/mo
Today · 4.125%
HK$20,016
baseline
▲ 0.50% · 4.625%
HK$21,234
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,032/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,954
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$570/mo
Today · 4.125%
HK$22,086
baseline
▲ 0.50% · 4.625%
HK$23,250
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,172/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,216
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,970
−HK$765/mo
Today · 4.125%
HK$25,735
baseline
▲ 0.50% · 4.625%
HK$27,301
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,470/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,940
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$733/mo
Today · 4.125%
HK$28,396
baseline
▲ 0.50% · 4.625%
HK$29,893
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,792/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,750 · 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).