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$13,388
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$423/mo
Today · 4.125%
HK$14,227
baseline
▲ 0.50% · 4.625%
HK$15,093
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,454/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,894
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,293
−HK$405/mo
Today · 4.125%
HK$15,698
baseline
▲ 0.50% · 4.625%
HK$16,526
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,396/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,065
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,565
−HK$508/mo
Today · 4.125%
HK$17,073
baseline
▲ 0.50% · 4.625%
HK$18,112
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,146/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,873
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,352
−HK$486/mo
Today · 4.125%
HK$18,838
baseline
▲ 0.50% · 4.625%
HK$19,831
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,676/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$592/mo
Today · 4.125%
HK$19,918
baseline
▲ 0.50% · 4.625%
HK$21,130
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,836/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,851
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,411
−HK$567/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,136
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$761/mo
Today · 4.125%
HK$25,609
baseline
▲ 0.50% · 4.625%
HK$27,167
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,218/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,809
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,528
−HK$729/mo
Today · 4.125%
HK$28,257
baseline
▲ 0.50% · 4.625%
HK$29,747
+HK$1,490/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,514/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,102 · 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).