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$13,466
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$426/mo
Today · 4.125%
HK$14,310
baseline
▲ 0.50% · 4.625%
HK$15,181
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,620/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,980
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,382
−HK$408/mo
Today · 4.125%
HK$15,790
baseline
▲ 0.50% · 4.625%
HK$16,622
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,580/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,159
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$511/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,217
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,459
−HK$489/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,896/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,852
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,438
−HK$596/mo
Today · 4.125%
HK$20,034
baseline
▲ 0.50% · 4.625%
HK$21,253
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,068/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,535
−HK$571/mo
Today · 4.125%
HK$22,106
baseline
▲ 0.50% · 4.625%
HK$23,271
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,212/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,238
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,992
−HK$766/mo
Today · 4.125%
HK$25,758
baseline
▲ 0.50% · 4.625%
HK$27,325
+HK$1,567/mo
Deposit HK$591K · loan HK$5.31M · min. income ≈ HK$51,516/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,965
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,688
−HK$733/mo
Today · 4.125%
HK$28,421
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,499/mo
Deposit HK$591K · loan HK$5.31M · min. income ≈ HK$56,842/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,870 · 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).