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$13,409
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,826
−HK$424/mo
Today · 4.125%
HK$14,250
baseline
▲ 0.50% · 4.625%
HK$15,117
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,500/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,917
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,317
−HK$406/mo
Today · 4.125%
HK$15,723
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,446/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,091
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$509/mo
Today · 4.125%
HK$17,100
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,200/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,901
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,381
−HK$487/mo
Today · 4.125%
HK$18,868
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,736/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,772
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,356
−HK$594/mo
Today · 4.125%
HK$19,950
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,900/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,884
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,444
−HK$568/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,161/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,136
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,887
−HK$763/mo
Today · 4.125%
HK$25,650
baseline
▲ 0.50% · 4.625%
HK$27,210
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,300/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,851
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,571
−HK$731/mo
Today · 4.125%
HK$28,302
baseline
▲ 0.50% · 4.625%
HK$29,794
+HK$1,492/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,604/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,310 · 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).