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$13,394
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,810
−HK$424/mo
Today · 4.125%
HK$14,234
baseline
▲ 0.50% · 4.625%
HK$15,100
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,468/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,900
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,300
−HK$405/mo
Today · 4.125%
HK$15,705
baseline
▲ 0.50% · 4.625%
HK$16,533
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,410/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,073
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,572
−HK$508/mo
Today · 4.125%
HK$17,080
baseline
▲ 0.50% · 4.625%
HK$18,120
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,160/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,881
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,360
−HK$487/mo
Today · 4.125%
HK$18,847
baseline
▲ 0.50% · 4.625%
HK$19,840
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,694/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,335
−HK$592/mo
Today · 4.125%
HK$19,927
baseline
▲ 0.50% · 4.625%
HK$21,140
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,854/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,861
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,420
−HK$568/mo
Today · 4.125%
HK$21,988
baseline
▲ 0.50% · 4.625%
HK$23,147
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,976/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,109
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,859
−HK$762/mo
Today · 4.125%
HK$25,621
baseline
▲ 0.50% · 4.625%
HK$27,180
+HK$1,559/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$51,242/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,821
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,540
−HK$730/mo
Today · 4.125%
HK$28,270
baseline
▲ 0.50% · 4.625%
HK$29,760
+HK$1,490/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$56,540/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,161 · 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).