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$13,461
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$425/mo
Today · 4.125%
HK$14,305
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,610/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,976
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$408/mo
Today · 4.125%
HK$15,785
baseline
▲ 0.50% · 4.625%
HK$16,617
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,570/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,154
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,656
−HK$511/mo
Today · 4.125%
HK$17,167
baseline
▲ 0.50% · 4.625%
HK$18,211
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,334/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,971
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,453
−HK$489/mo
Today · 4.125%
HK$18,942
baseline
▲ 0.50% · 4.625%
HK$19,940
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,884/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,846
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,432
−HK$596/mo
Today · 4.125%
HK$20,028
baseline
▲ 0.50% · 4.625%
HK$21,246
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,056/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,966
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,528
−HK$571/mo
Today · 4.125%
HK$22,099
baseline
▲ 0.50% · 4.625%
HK$23,263
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,198/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,230
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,984
−HK$766/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,317
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,956
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,679
−HK$733/mo
Today · 4.125%
HK$28,412
baseline
▲ 0.50% · 4.625%
HK$29,910
+HK$1,498/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,824/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,828 · 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).