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$13,462
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,881
−HK$426/mo
Today · 4.125%
HK$14,307
baseline
▲ 0.50% · 4.625%
HK$15,177
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,614/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$407/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,618
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,155
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,657
−HK$511/mo
Today · 4.125%
HK$17,168
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,336/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,972
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,454
−HK$489/mo
Today · 4.125%
HK$18,943
baseline
▲ 0.50% · 4.625%
HK$19,942
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,886/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,847
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$595/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,248
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,968
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,530
−HK$570/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,232
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$766/mo
Today · 4.125%
HK$25,752
baseline
▲ 0.50% · 4.625%
HK$27,319
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,504/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,958
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$734/mo
Today · 4.125%
HK$28,415
baseline
▲ 0.50% · 4.625%
HK$29,913
+HK$1,498/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,830/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,839 · 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).