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$13,346
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,761
−HK$422/mo
Today · 4.125%
HK$14,183
baseline
▲ 0.50% · 4.625%
HK$15,046
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,366/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,847
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$404/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,474
+HK$824/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,015
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$506/mo
Today · 4.125%
HK$17,020
baseline
▲ 0.50% · 4.625%
HK$18,055
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,040/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,817
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,295
−HK$484/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,558/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$590/mo
Today · 4.125%
HK$19,856
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,712/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,786
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$565/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,023
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$759/mo
Today · 4.125%
HK$25,529
baseline
▲ 0.50% · 4.625%
HK$27,083
+HK$1,554/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,058/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,725
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,442
−HK$727/mo
Today · 4.125%
HK$28,169
baseline
▲ 0.50% · 4.625%
HK$29,654
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,338/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,691 · 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).