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$13,354
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$422/mo
Today · 4.125%
HK$14,191
baseline
▲ 0.50% · 4.625%
HK$15,055
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,382/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,856
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$405/mo
Today · 4.125%
HK$15,659
baseline
▲ 0.50% · 4.625%
HK$16,484
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,318/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,025
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,523
−HK$506/mo
Today · 4.125%
HK$17,029
baseline
▲ 0.50% · 4.625%
HK$18,066
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,058/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,827
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,305
−HK$485/mo
Today · 4.125%
HK$18,790
baseline
▲ 0.50% · 4.625%
HK$19,781
+HK$991/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,580/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,695
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,277
−HK$591/mo
Today · 4.125%
HK$19,868
baseline
▲ 0.50% · 4.625%
HK$21,077
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,736/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,798
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,356
−HK$566/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,037
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$760/mo
Today · 4.125%
HK$25,544
baseline
▲ 0.50% · 4.625%
HK$27,098
+HK$1,554/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,088/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$727/mo
Today · 4.125%
HK$28,185
baseline
▲ 0.50% · 4.625%
HK$29,671
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,370/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,766 · 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).