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$13,433
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,850
−HK$425/mo
Today · 4.125%
HK$14,275
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,550/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,944
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,344
−HK$407/mo
Today · 4.125%
HK$15,751
baseline
▲ 0.50% · 4.625%
HK$16,581
+HK$830/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,502/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,119
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,621
−HK$509/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,172
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,260/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,932
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,413
−HK$488/mo
Today · 4.125%
HK$18,901
baseline
▲ 0.50% · 4.625%
HK$19,897
+HK$996/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,802/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,806
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,391
−HK$594/mo
Today · 4.125%
HK$19,985
baseline
▲ 0.50% · 4.625%
HK$21,201
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,970/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,921
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,482
−HK$569/mo
Today · 4.125%
HK$22,051
baseline
▲ 0.50% · 4.625%
HK$23,214
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,102/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,931
−HK$764/mo
Today · 4.125%
HK$25,695
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,390/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,899
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,620
−HK$732/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$29,846
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,544 · 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).