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$13,414
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,831
−HK$424/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,122
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,510/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,923
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,323
−HK$406/mo
Today · 4.125%
HK$15,729
baseline
▲ 0.50% · 4.625%
HK$16,558
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,458/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,097
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,597
−HK$509/mo
Today · 4.125%
HK$17,106
baseline
▲ 0.50% · 4.625%
HK$18,147
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,212/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,907
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,388
−HK$487/mo
Today · 4.125%
HK$18,875
baseline
▲ 0.50% · 4.625%
HK$19,870
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,750/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,779
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,364
−HK$593/mo
Today · 4.125%
HK$19,957
baseline
▲ 0.50% · 4.625%
HK$21,171
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,914/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,892
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$569/mo
Today · 4.125%
HK$22,021
baseline
▲ 0.50% · 4.625%
HK$23,181
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,042/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,145
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$763/mo
Today · 4.125%
HK$25,659
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,561/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,318/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,861
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,581
−HK$731/mo
Today · 4.125%
HK$28,312
baseline
▲ 0.50% · 4.625%
HK$29,805
+HK$1,493/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,624/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,360 · 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).