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$13,399
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,816
−HK$424/mo
Today · 4.125%
HK$14,240
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,480/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,907
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$406/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,424/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,079
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,579
−HK$509/mo
Today · 4.125%
HK$17,088
baseline
▲ 0.50% · 4.625%
HK$18,127
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,176/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,888
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$486/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$19,848
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,759
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,343
−HK$592/mo
Today · 4.125%
HK$19,935
baseline
▲ 0.50% · 4.625%
HK$21,148
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,870/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,869
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$568/mo
Today · 4.125%
HK$21,997
baseline
▲ 0.50% · 4.625%
HK$23,156
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,994/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,119
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,869
−HK$762/mo
Today · 4.125%
HK$25,631
baseline
▲ 0.50% · 4.625%
HK$27,191
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,262/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,832
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,552
−HK$730/mo
Today · 4.125%
HK$28,282
baseline
▲ 0.50% · 4.625%
HK$29,772
+HK$1,490/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,564/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,216 · 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).