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$13,422
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,840
−HK$424/mo
Today · 4.125%
HK$14,264
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,528/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,932
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,333
−HK$406/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,569
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,107
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,608
−HK$509/mo
Today · 4.125%
HK$17,117
baseline
▲ 0.50% · 4.625%
HK$18,158
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,234/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,919
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,399
−HK$488/mo
Today · 4.125%
HK$18,887
baseline
▲ 0.50% · 4.625%
HK$19,882
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,774/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,376
−HK$594/mo
Today · 4.125%
HK$19,970
baseline
▲ 0.50% · 4.625%
HK$21,185
+HK$1,215/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,940/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,905
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,466
−HK$569/mo
Today · 4.125%
HK$22,035
baseline
▲ 0.50% · 4.625%
HK$23,196
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,070/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,160
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,912
−HK$763/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,238
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,878
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,599
−HK$731/mo
Today · 4.125%
HK$28,330
baseline
▲ 0.50% · 4.625%
HK$29,824
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,660/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,443 · 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).