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$13,428
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,846
−HK$424/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,938
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$407/mo
Today · 4.125%
HK$15,746
baseline
▲ 0.50% · 4.625%
HK$16,576
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,492/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,114
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,615
−HK$509/mo
Today · 4.125%
HK$17,124
baseline
▲ 0.50% · 4.625%
HK$18,166
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,248/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,926
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,407
−HK$488/mo
Today · 4.125%
HK$18,895
baseline
▲ 0.50% · 4.625%
HK$19,891
+HK$996/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,790/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,799
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,384
−HK$594/mo
Today · 4.125%
HK$19,978
baseline
▲ 0.50% · 4.625%
HK$21,194
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,956/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,914
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,475
−HK$569/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,170
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$764/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,249
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$732/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$29,836
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,684/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,498 · 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).