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$13,361
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,776
−HK$422/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,864
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,262
−HK$405/mo
Today · 4.125%
HK$15,667
baseline
▲ 0.50% · 4.625%
HK$16,492
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,334/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,033
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,531
−HK$507/mo
Today · 4.125%
HK$17,038
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,076/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,836
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,315
−HK$485/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,791
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,705
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,287
−HK$591/mo
Today · 4.125%
HK$19,878
baseline
▲ 0.50% · 4.625%
HK$21,087
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,756/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,809
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,367
−HK$566/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,049
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,797
−HK$760/mo
Today · 4.125%
HK$25,557
baseline
▲ 0.50% · 4.625%
HK$27,112
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,114/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,754
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,472
−HK$728/mo
Today · 4.125%
HK$28,200
baseline
▲ 0.50% · 4.625%
HK$29,686
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,400/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,834 · 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).