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$13,427
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,845
−HK$425/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,938
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$406/mo
Today · 4.125%
HK$15,745
baseline
▲ 0.50% · 4.625%
HK$16,575
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,490/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,113
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,614
−HK$509/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,165
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,926
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,406
−HK$488/mo
Today · 4.125%
HK$18,894
baseline
▲ 0.50% · 4.625%
HK$19,890
+HK$996/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,788/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,798
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,383
−HK$594/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,193
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,913
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,474
−HK$569/mo
Today · 4.125%
HK$22,043
baseline
▲ 0.50% · 4.625%
HK$23,205
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,086/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,169
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,921
−HK$764/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,888
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$732/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,494 · 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).