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$13,344
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$422/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$15,044
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,362/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,845
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,243
−HK$404/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,472
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,013
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,511
−HK$506/mo
Today · 4.125%
HK$17,017
baseline
▲ 0.50% · 4.625%
HK$18,052
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,034/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,814
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$484/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,766
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,681
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$590/mo
Today · 4.125%
HK$19,853
baseline
▲ 0.50% · 4.625%
HK$21,061
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,706/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,783
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$566/mo
Today · 4.125%
HK$21,906
baseline
▲ 0.50% · 4.625%
HK$23,060
+HK$1,154/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,812/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,019
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,766
−HK$759/mo
Today · 4.125%
HK$25,525
baseline
▲ 0.50% · 4.625%
HK$27,078
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,050/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,721
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$727/mo
Today · 4.125%
HK$28,165
baseline
▲ 0.50% · 4.625%
HK$29,649
+HK$1,484/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,330/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,669 · 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).