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$13,440
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,858
−HK$424/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,151
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,564/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,951
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,352
−HK$407/mo
Today · 4.125%
HK$15,759
baseline
▲ 0.50% · 4.625%
HK$16,590
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,518/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,128
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,629
−HK$510/mo
Today · 4.125%
HK$17,139
baseline
▲ 0.50% · 4.625%
HK$18,182
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,278/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,942
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,423
−HK$488/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$19,908
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,816
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,401
−HK$594/mo
Today · 4.125%
HK$19,995
baseline
▲ 0.50% · 4.625%
HK$21,212
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$39,990/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,932
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,493
−HK$570/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,191
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$764/mo
Today · 4.125%
HK$25,708
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,565/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,416/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,913
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,634
−HK$733/mo
Today · 4.125%
HK$28,367
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,734/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,614 · 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).