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$13,420
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,838
−HK$424/mo
Today · 4.125%
HK$14,262
baseline
▲ 0.50% · 4.625%
HK$15,130
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,524/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,930
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,331
−HK$406/mo
Today · 4.125%
HK$15,737
baseline
▲ 0.50% · 4.625%
HK$16,566
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,474/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,105
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$508/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,156
+HK$1,042/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,916
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$487/mo
Today · 4.125%
HK$18,884
baseline
▲ 0.50% · 4.625%
HK$19,880
+HK$996/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,768/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,789
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,373
−HK$594/mo
Today · 4.125%
HK$19,967
baseline
▲ 0.50% · 4.625%
HK$21,182
+HK$1,215/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,934/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,902
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,463
−HK$569/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,193
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$764/mo
Today · 4.125%
HK$25,672
baseline
▲ 0.50% · 4.625%
HK$27,234
+HK$1,562/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,344/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$731/mo
Today · 4.125%
HK$28,326
baseline
▲ 0.50% · 4.625%
HK$29,819
+HK$1,493/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,652/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,425 · 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).