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$13,385
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$423/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$865/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,450/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,891
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$405/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,523
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,390/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,062
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,562
−HK$508/mo
Today · 4.125%
HK$17,070
baseline
▲ 0.50% · 4.625%
HK$18,108
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,140/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,869
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$487/mo
Today · 4.125%
HK$18,835
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,670/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,739
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,322
−HK$592/mo
Today · 4.125%
HK$19,914
baseline
▲ 0.50% · 4.625%
HK$21,126
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,828/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,847
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,406
−HK$568/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,843
−HK$761/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$27,162
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,804
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,523
−HK$729/mo
Today · 4.125%
HK$28,252
baseline
▲ 0.50% · 4.625%
HK$29,741
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,504/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,077 · 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).