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$13,362
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,778
−HK$422/mo
Today · 4.125%
HK$14,200
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,400/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,865
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,264
−HK$405/mo
Today · 4.125%
HK$15,669
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,338/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,035
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,534
−HK$506/mo
Today · 4.125%
HK$17,040
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,080/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,839
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,317
−HK$485/mo
Today · 4.125%
HK$18,802
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,604/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,707
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,289
−HK$591/mo
Today · 4.125%
HK$19,880
baseline
▲ 0.50% · 4.625%
HK$21,090
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,760/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,812
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$566/mo
Today · 4.125%
HK$21,936
baseline
▲ 0.50% · 4.625%
HK$23,092
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,872/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,052
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,800
−HK$761/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$27,116
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,758
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$728/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,690
+HK$1,486/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,851 · 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).