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$13,347
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$422/mo
Today · 4.125%
HK$14,184
baseline
▲ 0.50% · 4.625%
HK$15,047
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,368/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,849
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,247
−HK$404/mo
Today · 4.125%
HK$15,651
baseline
▲ 0.50% · 4.625%
HK$16,476
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,302/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,017
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$506/mo
Today · 4.125%
HK$17,021
baseline
▲ 0.50% · 4.625%
HK$18,057
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,042/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,818
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$485/mo
Today · 4.125%
HK$18,781
baseline
▲ 0.50% · 4.625%
HK$19,771
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,562/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,686
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$591/mo
Today · 4.125%
HK$19,858
baseline
▲ 0.50% · 4.625%
HK$21,066
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,716/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,788
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,346
−HK$565/mo
Today · 4.125%
HK$21,911
baseline
▲ 0.50% · 4.625%
HK$23,066
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,822/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,025
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$760/mo
Today · 4.125%
HK$25,532
baseline
▲ 0.50% · 4.625%
HK$27,085
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,064/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,728
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,445
−HK$727/mo
Today · 4.125%
HK$28,172
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,344/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,703 · 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).