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$13,406
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,823
−HK$424/mo
Today · 4.125%
HK$14,247
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,494/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,914
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,314
−HK$406/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,548
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,440/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,087
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$508/mo
Today · 4.125%
HK$17,096
baseline
▲ 0.50% · 4.625%
HK$18,136
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,192/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$487/mo
Today · 4.125%
HK$18,864
baseline
▲ 0.50% · 4.625%
HK$19,858
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,728/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,768
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$593/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$21,159
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,880
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,440
−HK$568/mo
Today · 4.125%
HK$22,008
baseline
▲ 0.50% · 4.625%
HK$23,168
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,016/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,131
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,881
−HK$763/mo
Today · 4.125%
HK$25,644
baseline
▲ 0.50% · 4.625%
HK$27,204
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,288/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,845
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,565
−HK$731/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$29,787
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,281 · 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).