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$13,403
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$424/mo
Today · 4.125%
HK$14,244
baseline
▲ 0.50% · 4.625%
HK$15,111
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,488/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,911
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,311
−HK$406/mo
Today · 4.125%
HK$15,717
baseline
▲ 0.50% · 4.625%
HK$16,545
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,434/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,084
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$509/mo
Today · 4.125%
HK$17,093
baseline
▲ 0.50% · 4.625%
HK$18,133
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,186/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,893
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,373
−HK$487/mo
Today · 4.125%
HK$18,860
baseline
▲ 0.50% · 4.625%
HK$19,854
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,720/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,765
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$593/mo
Today · 4.125%
HK$19,942
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,884/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,876
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,436
−HK$568/mo
Today · 4.125%
HK$22,004
baseline
▲ 0.50% · 4.625%
HK$23,163
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$44,008/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$762/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$730/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$29,781
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,256 · 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).