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$13,473
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,892
−HK$426/mo
Today · 4.125%
HK$14,318
baseline
▲ 0.50% · 4.625%
HK$15,189
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,636/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,989
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$407/mo
Today · 4.125%
HK$15,798
baseline
▲ 0.50% · 4.625%
HK$16,631
+HK$833/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,596/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,168
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,670
−HK$511/mo
Today · 4.125%
HK$17,181
baseline
▲ 0.50% · 4.625%
HK$18,227
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,362/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,986
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$489/mo
Today · 4.125%
HK$18,958
baseline
▲ 0.50% · 4.625%
HK$19,957
+HK$999/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,916/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,862
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$596/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,265
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,984
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,547
−HK$571/mo
Today · 4.125%
HK$22,118
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,236/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,251
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,006
−HK$766/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,979
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,703
−HK$734/mo
Today · 4.125%
HK$28,437
baseline
▲ 0.50% · 4.625%
HK$29,936
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,874/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,943 · 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).