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$13,353
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,768
−HK$422/mo
Today · 4.125%
HK$14,190
baseline
▲ 0.50% · 4.625%
HK$15,054
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,380/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,855
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,253
−HK$404/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,314/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,023
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,522
−HK$506/mo
Today · 4.125%
HK$17,028
baseline
▲ 0.50% · 4.625%
HK$18,064
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,056/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,826
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,304
−HK$485/mo
Today · 4.125%
HK$18,789
baseline
▲ 0.50% · 4.625%
HK$19,779
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,578/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,694
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$591/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$21,075
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,797
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$565/mo
Today · 4.125%
HK$21,920
baseline
▲ 0.50% · 4.625%
HK$23,076
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,840/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,035
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,783
−HK$759/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,554/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,739
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,456
−HK$727/mo
Today · 4.125%
HK$28,183
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,366/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,757 · 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).