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$13,471
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,890
−HK$425/mo
Today · 4.125%
HK$14,315
baseline
▲ 0.50% · 4.625%
HK$15,186
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,630/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,986
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,388
−HK$408/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,628
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,592/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,165
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,668
−HK$510/mo
Today · 4.125%
HK$17,178
baseline
▲ 0.50% · 4.625%
HK$18,224
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,356/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,983
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,465
−HK$490/mo
Today · 4.125%
HK$18,955
baseline
▲ 0.50% · 4.625%
HK$19,954
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,910/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,859
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$596/mo
Today · 4.125%
HK$20,042
baseline
▲ 0.50% · 4.625%
HK$21,261
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,084/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,980
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$571/mo
Today · 4.125%
HK$22,114
baseline
▲ 0.50% · 4.625%
HK$23,279
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,228/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,247
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,001
−HK$767/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,975
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,698
−HK$734/mo
Today · 4.125%
HK$28,432
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,864/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,919 · 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).