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$13,445
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$425/mo
Today · 4.125%
HK$14,289
baseline
▲ 0.50% · 4.625%
HK$15,158
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,578/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,958
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$407/mo
Today · 4.125%
HK$15,766
baseline
▲ 0.50% · 4.625%
HK$16,597
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,532/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,134
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,636
−HK$510/mo
Today · 4.125%
HK$17,146
baseline
▲ 0.50% · 4.625%
HK$18,190
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,292/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$488/mo
Today · 4.125%
HK$18,919
baseline
▲ 0.50% · 4.625%
HK$19,916
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,838/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,824
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,409
−HK$595/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,221
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,941
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,503
−HK$569/mo
Today · 4.125%
HK$22,072
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,144/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,202
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,954
−HK$765/mo
Today · 4.125%
HK$25,719
baseline
▲ 0.50% · 4.625%
HK$27,284
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,438/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,924
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$733/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,496/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,670 · 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).