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$13,359
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$422/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$15,061
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,394/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,862
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,260
−HK$405/mo
Today · 4.125%
HK$15,665
baseline
▲ 0.50% · 4.625%
HK$16,490
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,330/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,031
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$507/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$18,073
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,072/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,834
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$486/mo
Today · 4.125%
HK$18,798
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$990/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,596/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,703
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,284
−HK$591/mo
Today · 4.125%
HK$19,875
baseline
▲ 0.50% · 4.625%
HK$21,085
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,750/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,806
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$567/mo
Today · 4.125%
HK$21,931
baseline
▲ 0.50% · 4.625%
HK$23,087
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,862/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,046
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,794
−HK$760/mo
Today · 4.125%
HK$25,554
baseline
▲ 0.50% · 4.625%
HK$27,109
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,108/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,751
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,469
−HK$727/mo
Today · 4.125%
HK$28,196
baseline
▲ 0.50% · 4.625%
HK$29,683
+HK$1,487/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,392/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,818 · 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).