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$13,439
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,857
−HK$425/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,151
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,564/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,951
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,352
−HK$406/mo
Today · 4.125%
HK$15,758
baseline
▲ 0.50% · 4.625%
HK$16,589
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,516/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,127
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,628
−HK$510/mo
Today · 4.125%
HK$17,138
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,276/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,941
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,422
−HK$488/mo
Today · 4.125%
HK$18,910
baseline
▲ 0.50% · 4.625%
HK$19,907
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,820/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,814
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,400
−HK$594/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,931
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$570/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,942
−HK$765/mo
Today · 4.125%
HK$25,707
baseline
▲ 0.50% · 4.625%
HK$27,271
+HK$1,564/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,414/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,911
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,633
−HK$732/mo
Today · 4.125%
HK$28,365
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,730/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,606 · 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).