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$13,427
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,845
−HK$424/mo
Today · 4.125%
HK$14,269
baseline
▲ 0.50% · 4.625%
HK$15,137
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,538/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,937
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,338
−HK$406/mo
Today · 4.125%
HK$15,744
baseline
▲ 0.50% · 4.625%
HK$16,574
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,488/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,112
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,613
−HK$510/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,165
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,925
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$488/mo
Today · 4.125%
HK$18,893
baseline
▲ 0.50% · 4.625%
HK$19,889
+HK$996/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,786/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,798
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,382
−HK$594/mo
Today · 4.125%
HK$19,976
baseline
▲ 0.50% · 4.625%
HK$21,192
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,952/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,912
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,473
−HK$569/mo
Today · 4.125%
HK$22,042
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,084/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$764/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,247
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,887
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,608
−HK$732/mo
Today · 4.125%
HK$28,340
baseline
▲ 0.50% · 4.625%
HK$29,834
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,680/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,488 · 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).