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$13,345
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,761
−HK$421/mo
Today · 4.125%
HK$14,182
baseline
▲ 0.50% · 4.625%
HK$15,045
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,364/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,847
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,245
−HK$404/mo
Today · 4.125%
HK$15,649
baseline
▲ 0.50% · 4.625%
HK$16,474
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,298/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,015
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,513
−HK$506/mo
Today · 4.125%
HK$17,019
baseline
▲ 0.50% · 4.625%
HK$18,054
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,038/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,294
−HK$485/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,768
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,558/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,684
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,265
−HK$590/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,343
−HK$565/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,063
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,816/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,022
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,769
−HK$759/mo
Today · 4.125%
HK$25,528
baseline
▲ 0.50% · 4.625%
HK$27,082
+HK$1,554/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,056/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,724
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,441
−HK$727/mo
Today · 4.125%
HK$28,168
baseline
▲ 0.50% · 4.625%
HK$29,653
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,336/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,684 · 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).