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$13,340
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,755
−HK$422/mo
Today · 4.125%
HK$14,177
baseline
▲ 0.50% · 4.625%
HK$15,039
+HK$862/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,354/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,841
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,239
−HK$404/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,467
+HK$824/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,286/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,008
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,506
−HK$506/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,809
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,287
−HK$484/mo
Today · 4.125%
HK$18,771
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,542/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,676
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,257
−HK$591/mo
Today · 4.125%
HK$19,848
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,207/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,696/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,777
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,335
−HK$565/mo
Today · 4.125%
HK$21,900
baseline
▲ 0.50% · 4.625%
HK$23,054
+HK$1,154/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,800/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,012
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,759
−HK$759/mo
Today · 4.125%
HK$25,518
baseline
▲ 0.50% · 4.625%
HK$27,071
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,036/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,714
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,430
−HK$727/mo
Today · 4.125%
HK$28,157
baseline
▲ 0.50% · 4.625%
HK$29,641
+HK$1,484/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,314/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,633 · 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).