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$13,457
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,876
−HK$425/mo
Today · 4.125%
HK$14,301
baseline
▲ 0.50% · 4.625%
HK$15,171
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,602/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,971
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,372
−HK$408/mo
Today · 4.125%
HK$15,780
baseline
▲ 0.50% · 4.625%
HK$16,611
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,560/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,148
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$510/mo
Today · 4.125%
HK$17,161
baseline
▲ 0.50% · 4.625%
HK$18,205
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,322/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,447
−HK$488/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$19,934
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,870/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,840
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,426
−HK$595/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$570/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$765/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,308
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,947
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$733/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$29,900
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,784 · 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).