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$13,389
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,805
−HK$423/mo
Today · 4.125%
HK$14,228
baseline
▲ 0.50% · 4.625%
HK$15,094
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,456/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,895
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,294
−HK$405/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,527
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,398/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,066
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$508/mo
Today · 4.125%
HK$17,074
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,148/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,874
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,353
−HK$486/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,832
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,678/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,744
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,327
−HK$592/mo
Today · 4.125%
HK$19,919
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,838/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$567/mo
Today · 4.125%
HK$21,979
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,958/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,099
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$762/mo
Today · 4.125%
HK$25,611
baseline
▲ 0.50% · 4.625%
HK$27,169
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,222/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,810
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$730/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,110 · 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).