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$13,460
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,879
−HK$425/mo
Today · 4.125%
HK$14,304
baseline
▲ 0.50% · 4.625%
HK$15,175
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,608/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,974
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,376
−HK$407/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,615
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,566/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,152
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,655
−HK$510/mo
Today · 4.125%
HK$17,165
baseline
▲ 0.50% · 4.625%
HK$18,210
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,330/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,969
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,451
−HK$489/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$19,939
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,431
−HK$595/mo
Today · 4.125%
HK$20,026
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,052/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,964
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$570/mo
Today · 4.125%
HK$22,097
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,194/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,229
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,982
−HK$766/mo
Today · 4.125%
HK$25,748
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,496/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,954
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,677
−HK$733/mo
Today · 4.125%
HK$28,410
baseline
▲ 0.50% · 4.625%
HK$29,908
+HK$1,498/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,820/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,818 · 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).