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$13,390
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,807
−HK$423/mo
Today · 4.125%
HK$14,230
baseline
▲ 0.50% · 4.625%
HK$15,096
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,460/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,897
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,296
−HK$406/mo
Today · 4.125%
HK$15,702
baseline
▲ 0.50% · 4.625%
HK$16,529
+HK$827/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,404/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,069
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,568
−HK$508/mo
Today · 4.125%
HK$17,076
baseline
▲ 0.50% · 4.625%
HK$18,115
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,152/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,876
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$486/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,835
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,684/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,747
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,330
−HK$592/mo
Today · 4.125%
HK$19,922
baseline
▲ 0.50% · 4.625%
HK$21,135
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,844/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,856
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,415
−HK$567/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,141
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,103
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,853
−HK$761/mo
Today · 4.125%
HK$25,614
baseline
▲ 0.50% · 4.625%
HK$27,173
+HK$1,559/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$51,228/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,814
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,533
−HK$730/mo
Today · 4.125%
HK$28,263
baseline
▲ 0.50% · 4.625%
HK$29,753
+HK$1,490/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$56,526/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,129 · 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).