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$13,400
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$423/mo
Today · 4.125%
HK$14,240
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,480/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,908
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,307
−HK$406/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,541
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,426/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,080
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,580
−HK$509/mo
Today · 4.125%
HK$17,089
baseline
▲ 0.50% · 4.625%
HK$18,128
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,178/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,889
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,369
−HK$487/mo
Today · 4.125%
HK$18,856
baseline
▲ 0.50% · 4.625%
HK$19,849
+HK$993/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,712/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,760
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$593/mo
Today · 4.125%
HK$19,937
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,874/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,430
−HK$568/mo
Today · 4.125%
HK$21,998
baseline
▲ 0.50% · 4.625%
HK$23,158
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,996/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,120
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$762/mo
Today · 4.125%
HK$25,633
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,266/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,553
−HK$730/mo
Today · 4.125%
HK$28,283
baseline
▲ 0.50% · 4.625%
HK$29,774
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,566/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,224 · 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).