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$13,352
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,767
−HK$422/mo
Today · 4.125%
HK$14,189
baseline
▲ 0.50% · 4.625%
HK$15,052
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,378/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,854
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$404/mo
Today · 4.125%
HK$15,656
baseline
▲ 0.50% · 4.625%
HK$16,481
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,312/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,022
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,520
−HK$507/mo
Today · 4.125%
HK$17,027
baseline
▲ 0.50% · 4.625%
HK$18,063
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,054/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,824
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$485/mo
Today · 4.125%
HK$18,787
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,574/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,692
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,274
−HK$590/mo
Today · 4.125%
HK$19,864
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,728/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,353
−HK$565/mo
Today · 4.125%
HK$21,918
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,836/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,033
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,780
−HK$760/mo
Today · 4.125%
HK$25,540
baseline
▲ 0.50% · 4.625%
HK$27,094
+HK$1,554/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,080/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,736
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$728/mo
Today · 4.125%
HK$28,181
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,485/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,362/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,745 · 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).