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$13,401
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,818
−HK$424/mo
Today · 4.125%
HK$14,242
baseline
▲ 0.50% · 4.625%
HK$15,108
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,484/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,909
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,309
−HK$405/mo
Today · 4.125%
HK$15,714
baseline
▲ 0.50% · 4.625%
HK$16,543
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,428/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,082
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$508/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$18,130
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,180/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,891
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,371
−HK$486/mo
Today · 4.125%
HK$18,857
baseline
▲ 0.50% · 4.625%
HK$19,851
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,714/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,762
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,346
−HK$593/mo
Today · 4.125%
HK$19,939
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,878/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,873
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$568/mo
Today · 4.125%
HK$22,000
baseline
▲ 0.50% · 4.625%
HK$23,160
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$44,000/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,123
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$762/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,556
−HK$730/mo
Today · 4.125%
HK$28,286
baseline
▲ 0.50% · 4.625%
HK$29,777
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,572/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,237 · 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).