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$13,442
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,860
−HK$424/mo
Today · 4.125%
HK$14,284
baseline
▲ 0.50% · 4.625%
HK$15,154
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,568/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,954
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,355
−HK$406/mo
Today · 4.125%
HK$15,761
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,522/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,130
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,632
−HK$509/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,184
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,282/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,944
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,426
−HK$488/mo
Today · 4.125%
HK$18,914
baseline
▲ 0.50% · 4.625%
HK$19,911
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,828/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,818
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,403
−HK$595/mo
Today · 4.125%
HK$19,998
baseline
▲ 0.50% · 4.625%
HK$21,215
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$39,996/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,935
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,496
−HK$570/mo
Today · 4.125%
HK$22,066
baseline
▲ 0.50% · 4.625%
HK$23,229
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,132/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,195
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$765/mo
Today · 4.125%
HK$25,712
baseline
▲ 0.50% · 4.625%
HK$27,276
+HK$1,564/mo
Deposit HK$589K · loan HK$5.31M · min. income ≈ HK$51,424/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$733/mo
Today · 4.125%
HK$28,371
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,495/mo
Deposit HK$589K · loan HK$5.31M · min. income ≈ HK$56,742/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,632 · 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).