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$13,415
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,832
−HK$424/mo
Today · 4.125%
HK$14,256
baseline
▲ 0.50% · 4.625%
HK$15,123
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,512/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,924
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,324
−HK$406/mo
Today · 4.125%
HK$15,730
baseline
▲ 0.50% · 4.625%
HK$16,559
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,460/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,098
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$509/mo
Today · 4.125%
HK$17,107
baseline
▲ 0.50% · 4.625%
HK$18,148
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,214/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,908
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,389
−HK$487/mo
Today · 4.125%
HK$18,876
baseline
▲ 0.50% · 4.625%
HK$19,871
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,752/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,781
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,365
−HK$593/mo
Today · 4.125%
HK$19,958
baseline
▲ 0.50% · 4.625%
HK$21,173
+HK$1,215/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,916/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,893
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,453
−HK$569/mo
Today · 4.125%
HK$22,022
baseline
▲ 0.50% · 4.625%
HK$23,183
+HK$1,161/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,044/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,897
−HK$764/mo
Today · 4.125%
HK$25,661
baseline
▲ 0.50% · 4.625%
HK$27,222
+HK$1,561/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,322/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,863
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,583
−HK$731/mo
Today · 4.125%
HK$28,314
baseline
▲ 0.50% · 4.625%
HK$29,806
+HK$1,492/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,628/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,367 · 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).