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$13,382
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,798
−HK$423/mo
Today · 4.125%
HK$14,221
baseline
▲ 0.50% · 4.625%
HK$15,086
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,442/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,887
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$405/mo
Today · 4.125%
HK$15,692
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,384/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,058
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,558
−HK$507/mo
Today · 4.125%
HK$17,065
baseline
▲ 0.50% · 4.625%
HK$18,104
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,130/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,865
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,344
−HK$486/mo
Today · 4.125%
HK$18,830
baseline
▲ 0.50% · 4.625%
HK$19,822
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,660/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,735
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,318
−HK$592/mo
Today · 4.125%
HK$19,910
baseline
▲ 0.50% · 4.625%
HK$21,121
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,820/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,842
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,401
−HK$567/mo
Today · 4.125%
HK$21,968
baseline
▲ 0.50% · 4.625%
HK$23,126
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,936/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,088
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$761/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$27,156
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$729/mo
Today · 4.125%
HK$28,245
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,490/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,045 · 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).