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$13,457
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,875
−HK$426/mo
Today · 4.125%
HK$14,301
baseline
▲ 0.50% · 4.625%
HK$15,171
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,602/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,970
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,372
−HK$407/mo
Today · 4.125%
HK$15,779
baseline
▲ 0.50% · 4.625%
HK$16,611
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,558/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,148
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$511/mo
Today · 4.125%
HK$17,161
baseline
▲ 0.50% · 4.625%
HK$18,205
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,322/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,446
−HK$489/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$19,933
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,870/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,839
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$596/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$570/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,255
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$766/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,947
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$734/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$29,900
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,782 · 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).