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$13,412
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,829
−HK$424/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,120
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,506/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,920
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,320
−HK$406/mo
Today · 4.125%
HK$15,726
baseline
▲ 0.50% · 4.625%
HK$16,555
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,452/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,094
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,594
−HK$509/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,206/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,904
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,384
−HK$488/mo
Today · 4.125%
HK$18,872
baseline
▲ 0.50% · 4.625%
HK$19,866
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,744/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,360
−HK$594/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,168
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,888
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$569/mo
Today · 4.125%
HK$22,017
baseline
▲ 0.50% · 4.625%
HK$23,177
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,034/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,141
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,892
−HK$763/mo
Today · 4.125%
HK$25,655
baseline
▲ 0.50% · 4.625%
HK$27,216
+HK$1,561/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,310/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,856
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,577
−HK$730/mo
Today · 4.125%
HK$28,307
baseline
▲ 0.50% · 4.625%
HK$29,799
+HK$1,492/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,614/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,336 · 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).