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$13,416
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,834
−HK$424/mo
Today · 4.125%
HK$14,258
baseline
▲ 0.50% · 4.625%
HK$15,125
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,516/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,926
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$406/mo
Today · 4.125%
HK$15,732
baseline
▲ 0.50% · 4.625%
HK$16,561
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,464/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,100
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,601
−HK$508/mo
Today · 4.125%
HK$17,109
baseline
▲ 0.50% · 4.625%
HK$18,150
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,218/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,911
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,391
−HK$487/mo
Today · 4.125%
HK$18,878
baseline
▲ 0.50% · 4.625%
HK$19,874
+HK$996/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,756/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,783
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,367
−HK$594/mo
Today · 4.125%
HK$19,961
baseline
▲ 0.50% · 4.625%
HK$21,175
+HK$1,214/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,922/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,896
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,456
−HK$569/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,186
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,050/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,901
−HK$763/mo
Today · 4.125%
HK$25,664
baseline
▲ 0.50% · 4.625%
HK$27,226
+HK$1,562/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$51,328/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,866
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$731/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$29,810
+HK$1,492/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,385 · 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).