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$13,777
−HK$423/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$131,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,865
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,263
−HK$405/mo
Today · 4.125%
HK$15,668
baseline
▲ 0.50% · 4.625%
HK$16,494
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,336/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,034
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,533
−HK$507/mo
Today · 4.125%
HK$17,040
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$1,036/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$131,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,838
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$485/mo
Today · 4.125%
HK$18,801
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$992/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,602/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,706
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$592/mo
Today · 4.125%
HK$19,880
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,209/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$131,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$566/mo
Today · 4.125%
HK$21,935
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,870/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,051
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$760/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$27,115
+HK$1,556/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,757
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,474
−HK$728/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,487/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,845 · 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).