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$13,430
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$425/mo
Today · 4.125%
HK$14,272
baseline
▲ 0.50% · 4.625%
HK$15,140
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,544/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,940
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,341
−HK$406/mo
Today · 4.125%
HK$15,747
baseline
▲ 0.50% · 4.625%
HK$16,578
+HK$831/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,494/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,116
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$509/mo
Today · 4.125%
HK$17,126
baseline
▲ 0.50% · 4.625%
HK$18,168
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,252/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,928
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,409
−HK$488/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$19,893
+HK$996/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,801
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$594/mo
Today · 4.125%
HK$19,980
baseline
▲ 0.50% · 4.625%
HK$21,196
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,960/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,916
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,477
−HK$569/mo
Today · 4.125%
HK$22,046
baseline
▲ 0.50% · 4.625%
HK$23,209
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,092/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$764/mo
Today · 4.125%
HK$25,689
baseline
▲ 0.50% · 4.625%
HK$27,252
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,378/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,893
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$731/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,514 · 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).