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$13,368
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,784
−HK$422/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$15,071
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,412/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,872
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$404/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,502
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,350/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,042
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,541
−HK$507/mo
Today · 4.125%
HK$17,048
baseline
▲ 0.50% · 4.625%
HK$18,085
+HK$1,037/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,096/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,846
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$485/mo
Today · 4.125%
HK$18,810
baseline
▲ 0.50% · 4.625%
HK$19,802
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,620/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,715
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$591/mo
Today · 4.125%
HK$19,889
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,778/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,821
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,379
−HK$567/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,102
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,892/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,063
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$761/mo
Today · 4.125%
HK$25,572
baseline
▲ 0.50% · 4.625%
HK$27,128
+HK$1,556/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,144/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,769
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$729/mo
Today · 4.125%
HK$28,216
baseline
▲ 0.50% · 4.625%
HK$29,703
+HK$1,487/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,432/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,908 · 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).