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$13,357
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,773
−HK$422/mo
Today · 4.125%
HK$14,195
baseline
▲ 0.50% · 4.625%
HK$15,059
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,390/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,860
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$405/mo
Today · 4.125%
HK$15,663
baseline
▲ 0.50% · 4.625%
HK$16,488
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,326/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,029
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,527
−HK$507/mo
Today · 4.125%
HK$17,034
baseline
▲ 0.50% · 4.625%
HK$18,070
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,068/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,832
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,310
−HK$485/mo
Today · 4.125%
HK$18,795
baseline
▲ 0.50% · 4.625%
HK$19,786
+HK$991/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,590/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,700
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,282
−HK$591/mo
Today · 4.125%
HK$19,873
baseline
▲ 0.50% · 4.625%
HK$21,082
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,746/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,804
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,362
−HK$566/mo
Today · 4.125%
HK$21,928
baseline
▲ 0.50% · 4.625%
HK$23,084
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,856/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,043
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,791
−HK$760/mo
Today · 4.125%
HK$25,551
baseline
▲ 0.50% · 4.625%
HK$27,105
+HK$1,554/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,102/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,748
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,465
−HK$728/mo
Today · 4.125%
HK$28,193
baseline
▲ 0.50% · 4.625%
HK$29,679
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,386/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,800 · 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).