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$13,467
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,886
−HK$426/mo
Today · 4.125%
HK$14,312
baseline
▲ 0.50% · 4.625%
HK$15,183
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,624/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,982
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$408/mo
Today · 4.125%
HK$15,792
baseline
▲ 0.50% · 4.625%
HK$16,624
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,584/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,161
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,663
−HK$511/mo
Today · 4.125%
HK$17,174
baseline
▲ 0.50% · 4.625%
HK$18,219
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,348/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,979
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,461
−HK$489/mo
Today · 4.125%
HK$18,950
baseline
▲ 0.50% · 4.625%
HK$19,949
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,900/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,854
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,441
−HK$596/mo
Today · 4.125%
HK$20,037
baseline
▲ 0.50% · 4.625%
HK$21,256
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,074/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,975
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,538
−HK$570/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,274
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,241
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,995
−HK$766/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,329
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,968
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$734/mo
Today · 4.125%
HK$28,425
baseline
▲ 0.50% · 4.625%
HK$29,923
+HK$1,498/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,850/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,886 · 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).