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$13,358
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,774
−HK$422/mo
Today · 4.125%
HK$14,196
baseline
▲ 0.50% · 4.625%
HK$15,060
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,392/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,861
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,259
−HK$405/mo
Today · 4.125%
HK$15,664
baseline
▲ 0.50% · 4.625%
HK$16,489
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,328/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,030
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,528
−HK$507/mo
Today · 4.125%
HK$17,035
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,070/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,833
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,311
−HK$485/mo
Today · 4.125%
HK$18,796
baseline
▲ 0.50% · 4.625%
HK$19,787
+HK$991/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,592/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,701
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,283
−HK$591/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$21,083
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,748/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,805
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,363
−HK$566/mo
Today · 4.125%
HK$21,929
baseline
▲ 0.50% · 4.625%
HK$23,085
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,858/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,045
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$760/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,749
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,467
−HK$728/mo
Today · 4.125%
HK$28,195
baseline
▲ 0.50% · 4.625%
HK$29,681
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,390/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,809 · 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).