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$13,395
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$423/mo
Today · 4.125%
HK$14,235
baseline
▲ 0.50% · 4.625%
HK$15,101
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,470/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,902
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,302
−HK$405/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,535
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,414/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,074
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$508/mo
Today · 4.125%
HK$17,082
baseline
▲ 0.50% · 4.625%
HK$18,122
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,164/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,882
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,362
−HK$487/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,842
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,753
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,337
−HK$592/mo
Today · 4.125%
HK$19,929
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,858/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$568/mo
Today · 4.125%
HK$21,990
baseline
▲ 0.50% · 4.625%
HK$23,149
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,980/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,111
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$762/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,559/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,824
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$730/mo
Today · 4.125%
HK$28,273
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,490/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$56,546/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,175 · 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).