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$13,456
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,875
−HK$425/mo
Today · 4.125%
HK$14,300
baseline
▲ 0.50% · 4.625%
HK$15,170
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,600/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,970
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,371
−HK$407/mo
Today · 4.125%
HK$15,778
baseline
▲ 0.50% · 4.625%
HK$16,610
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,556/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,147
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$511/mo
Today · 4.125%
HK$17,160
baseline
▲ 0.50% · 4.625%
HK$18,204
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,320/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,964
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,445
−HK$489/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$19,932
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,838
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,424
−HK$596/mo
Today · 4.125%
HK$20,020
baseline
▲ 0.50% · 4.625%
HK$21,238
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,040/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,958
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$570/mo
Today · 4.125%
HK$22,090
baseline
▲ 0.50% · 4.625%
HK$23,254
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,180/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,974
−HK$766/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,306
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,945
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,668
−HK$733/mo
Today · 4.125%
HK$28,401
baseline
▲ 0.50% · 4.625%
HK$29,898
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,802/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,775 · 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).