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$13,398
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,815
−HK$423/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$15,105
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,476/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,905
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,305
−HK$405/mo
Today · 4.125%
HK$15,710
baseline
▲ 0.50% · 4.625%
HK$16,539
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,420/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,078
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,578
−HK$508/mo
Today · 4.125%
HK$17,086
baseline
▲ 0.50% · 4.625%
HK$18,126
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,172/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,886
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,366
−HK$487/mo
Today · 4.125%
HK$18,853
baseline
▲ 0.50% · 4.625%
HK$19,846
+HK$993/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,706/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,757
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$593/mo
Today · 4.125%
HK$19,934
baseline
▲ 0.50% · 4.625%
HK$21,146
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,868/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,867
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,427
−HK$568/mo
Today · 4.125%
HK$21,995
baseline
▲ 0.50% · 4.625%
HK$23,154
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,990/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,117
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,867
−HK$762/mo
Today · 4.125%
HK$25,629
baseline
▲ 0.50% · 4.625%
HK$27,188
+HK$1,559/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,258/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,829
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$730/mo
Today · 4.125%
HK$28,279
baseline
▲ 0.50% · 4.625%
HK$29,769
+HK$1,490/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,558/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,203 · 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).