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$13,421
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$424/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,131
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,526/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,931
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,331
−HK$407/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,476/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,105
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$509/mo
Today · 4.125%
HK$17,115
baseline
▲ 0.50% · 4.625%
HK$18,157
+HK$1,042/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,230/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,917
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,398
−HK$487/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$19,881
+HK$996/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,790
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,374
−HK$594/mo
Today · 4.125%
HK$19,968
baseline
▲ 0.50% · 4.625%
HK$21,183
+HK$1,215/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,936/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,903
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,464
−HK$569/mo
Today · 4.125%
HK$22,033
baseline
▲ 0.50% · 4.625%
HK$23,194
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,066/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,158
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$763/mo
Today · 4.125%
HK$25,673
baseline
▲ 0.50% · 4.625%
HK$27,235
+HK$1,562/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,346/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,876
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$732/mo
Today · 4.125%
HK$28,328
baseline
▲ 0.50% · 4.625%
HK$29,821
+HK$1,493/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,656/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,431 · 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).