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$13,464
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,882
−HK$426/mo
Today · 4.125%
HK$14,308
baseline
▲ 0.50% · 4.625%
HK$15,179
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,616/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,978
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,380
−HK$407/mo
Today · 4.125%
HK$15,787
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$833/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,574/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,156
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,659
−HK$511/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,214
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,340/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,974
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$489/mo
Today · 4.125%
HK$18,945
baseline
▲ 0.50% · 4.625%
HK$19,943
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,890/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,849
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,435
−HK$596/mo
Today · 4.125%
HK$20,031
baseline
▲ 0.50% · 4.625%
HK$21,250
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,062/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,969
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,532
−HK$570/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,267
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,235
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,988
−HK$766/mo
Today · 4.125%
HK$25,754
baseline
▲ 0.50% · 4.625%
HK$27,321
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,508/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,961
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,684
−HK$733/mo
Today · 4.125%
HK$28,417
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,498/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,834/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,850 · 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).