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$13,452
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$425/mo
Today · 4.125%
HK$14,295
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,590/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,965
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,366
−HK$407/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,605
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,142
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,644
−HK$510/mo
Today · 4.125%
HK$17,154
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,308/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,958
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,439
−HK$489/mo
Today · 4.125%
HK$18,928
baseline
▲ 0.50% · 4.625%
HK$19,926
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,856/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,832
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,418
−HK$595/mo
Today · 4.125%
HK$20,013
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,026/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,951
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,513
−HK$570/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,247
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$765/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$733/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,733 · 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).