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$13,409
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,826
−HK$424/mo
Today · 4.125%
HK$14,250
baseline
▲ 0.50% · 4.625%
HK$15,117
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,500/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,918
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,318
−HK$406/mo
Today · 4.125%
HK$15,724
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,448/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,091
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,592
−HK$508/mo
Today · 4.125%
HK$17,100
baseline
▲ 0.50% · 4.625%
HK$18,141
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,200/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,901
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,381
−HK$487/mo
Today · 4.125%
HK$18,868
baseline
▲ 0.50% · 4.625%
HK$19,863
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,736/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,773
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$593/mo
Today · 4.125%
HK$19,950
baseline
▲ 0.50% · 4.625%
HK$21,164
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,900/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$568/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,137
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,887
−HK$763/mo
Today · 4.125%
HK$25,650
baseline
▲ 0.50% · 4.625%
HK$27,211
+HK$1,561/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,300/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,852
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,572
−HK$730/mo
Today · 4.125%
HK$28,302
baseline
▲ 0.50% · 4.625%
HK$29,794
+HK$1,492/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,604/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,313 · 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).