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$13,343
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,758
−HK$421/mo
Today · 4.125%
HK$14,179
baseline
▲ 0.50% · 4.625%
HK$15,042
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,358/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,844
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$404/mo
Today · 4.125%
HK$15,646
baseline
▲ 0.50% · 4.625%
HK$16,470
+HK$824/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,292/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,011
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,509
−HK$506/mo
Today · 4.125%
HK$17,015
baseline
▲ 0.50% · 4.625%
HK$18,051
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,030/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,812
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,290
−HK$485/mo
Today · 4.125%
HK$18,775
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,550/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$590/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,781
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$565/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,017
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$759/mo
Today · 4.125%
HK$25,523
baseline
▲ 0.50% · 4.625%
HK$27,076
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,046/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,719
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$727/mo
Today · 4.125%
HK$28,162
baseline
▲ 0.50% · 4.625%
HK$29,647
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,324/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,658 · 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).