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$13,397
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,813
−HK$424/mo
Today · 4.125%
HK$14,237
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,474/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,904
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,303
−HK$406/mo
Today · 4.125%
HK$15,709
baseline
▲ 0.50% · 4.625%
HK$16,537
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,418/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,076
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$508/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,884
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,364
−HK$487/mo
Today · 4.125%
HK$18,851
baseline
▲ 0.50% · 4.625%
HK$19,844
+HK$993/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,702/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,755
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,339
−HK$593/mo
Today · 4.125%
HK$19,932
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,864/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,865
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,425
−HK$567/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,152
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,984/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,114
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$762/mo
Today · 4.125%
HK$25,626
baseline
▲ 0.50% · 4.625%
HK$27,186
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,252/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,827
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,546
−HK$730/mo
Today · 4.125%
HK$28,276
baseline
▲ 0.50% · 4.625%
HK$29,766
+HK$1,490/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,552/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,190 · 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).