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$13,394
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,811
−HK$423/mo
Today · 4.125%
HK$14,234
baseline
▲ 0.50% · 4.625%
HK$15,100
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,468/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,901
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,301
−HK$405/mo
Today · 4.125%
HK$15,706
baseline
▲ 0.50% · 4.625%
HK$16,534
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,412/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,073
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,573
−HK$508/mo
Today · 4.125%
HK$17,081
baseline
▲ 0.50% · 4.625%
HK$18,120
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,162/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,881
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,361
−HK$486/mo
Today · 4.125%
HK$18,847
baseline
▲ 0.50% · 4.625%
HK$19,841
+HK$994/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,694/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,752
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,335
−HK$593/mo
Today · 4.125%
HK$19,928
baseline
▲ 0.50% · 4.625%
HK$21,141
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,856/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,861
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,421
−HK$568/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,148
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,110
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,860
−HK$762/mo
Today · 4.125%
HK$25,622
baseline
▲ 0.50% · 4.625%
HK$27,181
+HK$1,559/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$51,244/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,822
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$730/mo
Today · 4.125%
HK$28,271
baseline
▲ 0.50% · 4.625%
HK$29,761
+HK$1,490/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$56,542/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,166 · 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).