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$13,475
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,894
−HK$426/mo
Today · 4.125%
HK$14,320
baseline
▲ 0.50% · 4.625%
HK$15,191
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,640/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,991
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,393
−HK$408/mo
Today · 4.125%
HK$15,801
baseline
▲ 0.50% · 4.625%
HK$16,634
+HK$833/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,602/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,170
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,673
−HK$511/mo
Today · 4.125%
HK$17,184
baseline
▲ 0.50% · 4.625%
HK$18,230
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,368/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,989
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,472
−HK$489/mo
Today · 4.125%
HK$18,961
baseline
▲ 0.50% · 4.625%
HK$19,960
+HK$999/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,922/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,865
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,452
−HK$596/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,268
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$571/mo
Today · 4.125%
HK$22,121
baseline
▲ 0.50% · 4.625%
HK$23,287
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,242/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,255
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,010
−HK$766/mo
Today · 4.125%
HK$25,776
baseline
▲ 0.50% · 4.625%
HK$27,345
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,552/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,984
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$734/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$29,941
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,963 · 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).