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$13,364
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$423/mo
Today · 4.125%
HK$14,202
baseline
▲ 0.50% · 4.625%
HK$15,066
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,404/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,867
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,266
−HK$404/mo
Today · 4.125%
HK$15,670
baseline
▲ 0.50% · 4.625%
HK$16,496
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,340/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,036
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$507/mo
Today · 4.125%
HK$17,042
baseline
▲ 0.50% · 4.625%
HK$18,079
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,084/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,840
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,319
−HK$485/mo
Today · 4.125%
HK$18,804
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,608/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,709
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$591/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$21,092
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,814
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,372
−HK$566/mo
Today · 4.125%
HK$21,938
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,876/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,055
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$760/mo
Today · 4.125%
HK$25,563
baseline
▲ 0.50% · 4.625%
HK$27,119
+HK$1,556/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,126/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,761
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$728/mo
Today · 4.125%
HK$28,206
baseline
▲ 0.50% · 4.625%
HK$29,693
+HK$1,487/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,412/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,864 · 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).