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$13,445
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,863
−HK$425/mo
Today · 4.125%
HK$14,288
baseline
▲ 0.50% · 4.625%
HK$15,157
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,576/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,957
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,358
−HK$407/mo
Today · 4.125%
HK$15,765
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,530/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,134
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,636
−HK$509/mo
Today · 4.125%
HK$17,145
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,290/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$488/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$19,916
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,823
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,408
−HK$595/mo
Today · 4.125%
HK$20,003
baseline
▲ 0.50% · 4.625%
HK$21,220
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,006/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,940
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,502
−HK$569/mo
Today · 4.125%
HK$22,071
baseline
▲ 0.50% · 4.625%
HK$23,235
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,142/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,201
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$765/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,283
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,923
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,645
−HK$733/mo
Today · 4.125%
HK$28,378
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,495/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,756/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,664 · 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).