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$13,366
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$422/mo
Today · 4.125%
HK$14,204
baseline
▲ 0.50% · 4.625%
HK$15,069
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,408/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,870
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$405/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,499
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,346/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,039
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,538
−HK$507/mo
Today · 4.125%
HK$17,045
baseline
▲ 0.50% · 4.625%
HK$18,082
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,090/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,844
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,322
−HK$486/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,799
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,616/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$591/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,817
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$566/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,807
−HK$761/mo
Today · 4.125%
HK$25,568
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,555/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,136/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,765
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,483
−HK$728/mo
Today · 4.125%
HK$28,211
baseline
▲ 0.50% · 4.625%
HK$29,698
+HK$1,487/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,422/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,888 · 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).