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$13,387
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$423/mo
Today · 4.125%
HK$14,227
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$865/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,454/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,893
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,293
−HK$405/mo
Today · 4.125%
HK$15,698
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$827/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,396/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,065
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,564
−HK$508/mo
Today · 4.125%
HK$17,072
baseline
▲ 0.50% · 4.625%
HK$18,111
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,144/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,872
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,351
−HK$486/mo
Today · 4.125%
HK$18,837
baseline
▲ 0.50% · 4.625%
HK$19,830
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,674/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$592/mo
Today · 4.125%
HK$19,917
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,834/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,850
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$567/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,135
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,097
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$762/mo
Today · 4.125%
HK$25,608
baseline
▲ 0.50% · 4.625%
HK$27,166
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,216/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,808
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,527
−HK$729/mo
Today · 4.125%
HK$28,256
baseline
▲ 0.50% · 4.625%
HK$29,745
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,512/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,096 · 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).