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$13,462
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,881
−HK$425/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,177
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,612/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$408/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,618
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,155
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,657
−HK$511/mo
Today · 4.125%
HK$17,168
baseline
▲ 0.50% · 4.625%
HK$18,212
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,336/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,972
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,454
−HK$489/mo
Today · 4.125%
HK$18,943
baseline
▲ 0.50% · 4.625%
HK$19,941
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,886/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,847
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,433
−HK$596/mo
Today · 4.125%
HK$20,029
baseline
▲ 0.50% · 4.625%
HK$21,248
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,058/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,967
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,530
−HK$570/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,232
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$766/mo
Today · 4.125%
HK$25,752
baseline
▲ 0.50% · 4.625%
HK$27,318
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,504/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,958
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$733/mo
Today · 4.125%
HK$28,414
baseline
▲ 0.50% · 4.625%
HK$29,912
+HK$1,498/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,828/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,836 · 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).