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$13,465
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$425/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,180
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,618/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,980
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$408/mo
Today · 4.125%
HK$15,789
baseline
▲ 0.50% · 4.625%
HK$16,621
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,578/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,158
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$510/mo
Today · 4.125%
HK$17,171
baseline
▲ 0.50% · 4.625%
HK$18,216
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,342/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,458
−HK$489/mo
Today · 4.125%
HK$18,947
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,894/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,851
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$596/mo
Today · 4.125%
HK$20,033
baseline
▲ 0.50% · 4.625%
HK$21,252
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,066/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,534
−HK$571/mo
Today · 4.125%
HK$22,105
baseline
▲ 0.50% · 4.625%
HK$23,270
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,210/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,237
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$766/mo
Today · 4.125%
HK$25,757
baseline
▲ 0.50% · 4.625%
HK$27,324
+HK$1,567/mo
Deposit HK$591K · loan HK$5.31M · min. income ≈ HK$51,514/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,963
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$733/mo
Today · 4.125%
HK$28,420
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,498/mo
Deposit HK$591K · loan HK$5.31M · min. income ≈ HK$56,840/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,864 · 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).