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$13,460
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$426/mo
Today · 4.125%
HK$14,304
baseline
▲ 0.50% · 4.625%
HK$15,174
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,608/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,974
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$408/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,615
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,566/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,152
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,654
−HK$510/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,209
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,328/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,969
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$489/mo
Today · 4.125%
HK$18,939
baseline
▲ 0.50% · 4.625%
HK$19,938
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,878/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,430
−HK$595/mo
Today · 4.125%
HK$20,025
baseline
▲ 0.50% · 4.625%
HK$21,244
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,050/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,963
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,526
−HK$570/mo
Today · 4.125%
HK$22,096
baseline
▲ 0.50% · 4.625%
HK$23,261
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,192/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,227
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$766/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$733/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,811 · 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).