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$13,374
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,790
−HK$423/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$15,078
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,426/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,879
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$405/mo
Today · 4.125%
HK$15,683
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,366/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,049
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,548
−HK$508/mo
Today · 4.125%
HK$17,056
baseline
▲ 0.50% · 4.625%
HK$18,093
+HK$1,037/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,112/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,854
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$486/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,724
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,306
−HK$592/mo
Today · 4.125%
HK$19,898
baseline
▲ 0.50% · 4.625%
HK$21,109
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,796/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,830
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,389
−HK$567/mo
Today · 4.125%
HK$21,956
baseline
▲ 0.50% · 4.625%
HK$23,113
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,912/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,074
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,823
−HK$760/mo
Today · 4.125%
HK$25,583
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,557/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,166/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$729/mo
Today · 4.125%
HK$28,229
baseline
▲ 0.50% · 4.625%
HK$29,717
+HK$1,488/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,458/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,969 · 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).