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$839/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$423/mo
Today · 4.125%
HK$14,229
baseline
▲ 0.50% · 4.625%
HK$15,095
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,458/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,896
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$405/mo
Today · 4.125%
HK$15,700
baseline
▲ 0.50% · 4.625%
HK$16,528
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,400/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,067
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$508/mo
Today · 4.125%
HK$17,075
baseline
▲ 0.50% · 4.625%
HK$18,114
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,150/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,354
−HK$487/mo
Today · 4.125%
HK$18,841
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,682/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,745
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,328
−HK$593/mo
Today · 4.125%
HK$19,921
baseline
▲ 0.50% · 4.625%
HK$21,133
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,842/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,854
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,413
−HK$568/mo
Today · 4.125%
HK$21,981
baseline
▲ 0.50% · 4.625%
HK$23,139
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,962/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,101
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$761/mo
Today · 4.125%
HK$25,612
baseline
▲ 0.50% · 4.625%
HK$27,171
+HK$1,559/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,224/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$730/mo
Today · 4.125%
HK$28,261
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,522/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,119 · 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).