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$13,347
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$422/mo
Today · 4.125%
HK$14,184
baseline
▲ 0.50% · 4.625%
HK$15,047
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,368/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,848
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$404/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,475
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,016
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$507/mo
Today · 4.125%
HK$17,021
baseline
▲ 0.50% · 4.625%
HK$18,056
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,042/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,818
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$484/mo
Today · 4.125%
HK$18,780
baseline
▲ 0.50% · 4.625%
HK$19,770
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,560/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,686
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$590/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$21,066
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,787
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,345
−HK$566/mo
Today · 4.125%
HK$21,911
baseline
▲ 0.50% · 4.625%
HK$23,065
+HK$1,154/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,822/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,024
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$759/mo
Today · 4.125%
HK$25,531
baseline
▲ 0.50% · 4.625%
HK$27,084
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,062/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,727
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$727/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,656
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,698 · 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).