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$13,430
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,848
−HK$424/mo
Today · 4.125%
HK$14,272
baseline
▲ 0.50% · 4.625%
HK$15,141
+HK$869/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,544/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,941
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,341
−HK$407/mo
Today · 4.125%
HK$15,748
baseline
▲ 0.50% · 4.625%
HK$16,578
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,496/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,116
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$510/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,169
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,254/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,929
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,410
−HK$487/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$997/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,802
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,387
−HK$594/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,197
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,917
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,478
−HK$569/mo
Today · 4.125%
HK$22,047
baseline
▲ 0.50% · 4.625%
HK$23,209
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,094/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,174
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,926
−HK$764/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,253
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,893
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$732/mo
Today · 4.125%
HK$28,346
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,692/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,518 · 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).