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$13,368
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,784
−HK$422/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$15,070
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,412/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,871
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$405/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,501
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,350/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,041
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,540
−HK$507/mo
Today · 4.125%
HK$17,047
baseline
▲ 0.50% · 4.625%
HK$18,085
+HK$1,038/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,094/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,846
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,324
−HK$486/mo
Today · 4.125%
HK$18,810
baseline
▲ 0.50% · 4.625%
HK$19,801
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,620/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,715
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,297
−HK$591/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$21,099
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,820
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$567/mo
Today · 4.125%
HK$21,945
baseline
▲ 0.50% · 4.625%
HK$23,102
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,890/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,062
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$761/mo
Today · 4.125%
HK$25,571
baseline
▲ 0.50% · 4.625%
HK$27,127
+HK$1,556/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,142/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,769
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$728/mo
Today · 4.125%
HK$28,215
baseline
▲ 0.50% · 4.625%
HK$29,702
+HK$1,487/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,430/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,904 · 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).