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$13,454
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,873
−HK$425/mo
Today · 4.125%
HK$14,298
baseline
▲ 0.50% · 4.625%
HK$15,168
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,596/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,967
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,369
−HK$407/mo
Today · 4.125%
HK$15,776
baseline
▲ 0.50% · 4.625%
HK$16,608
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,552/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,145
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$510/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,961
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,443
−HK$488/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$19,929
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,836
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,422
−HK$595/mo
Today · 4.125%
HK$20,017
baseline
▲ 0.50% · 4.625%
HK$21,235
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,034/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,954
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$571/mo
Today · 4.125%
HK$22,087
baseline
▲ 0.50% · 4.625%
HK$23,251
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,174/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,217
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$765/mo
Today · 4.125%
HK$25,736
baseline
▲ 0.50% · 4.625%
HK$27,302
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,472/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,941
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,664
−HK$733/mo
Today · 4.125%
HK$28,397
baseline
▲ 0.50% · 4.625%
HK$29,894
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,794/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,756 · 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).