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$13,431
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$424/mo
Today · 4.125%
HK$14,273
baseline
▲ 0.50% · 4.625%
HK$15,142
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,546/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,942
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,343
−HK$406/mo
Today · 4.125%
HK$15,749
baseline
▲ 0.50% · 4.625%
HK$16,579
+HK$830/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,498/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,117
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,619
−HK$509/mo
Today · 4.125%
HK$17,128
baseline
▲ 0.50% · 4.625%
HK$18,170
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,256/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,930
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,411
−HK$488/mo
Today · 4.125%
HK$18,899
baseline
▲ 0.50% · 4.625%
HK$19,895
+HK$996/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,798/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,804
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$594/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,919
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$569/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,211
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,176
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$764/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,255
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,617
−HK$732/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,530 · 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).