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$13,469
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,888
−HK$425/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,184
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,626/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,984
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$407/mo
Today · 4.125%
HK$15,793
baseline
▲ 0.50% · 4.625%
HK$16,626
+HK$833/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,586/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,162
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,665
−HK$511/mo
Today · 4.125%
HK$17,176
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,352/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,981
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$489/mo
Today · 4.125%
HK$18,952
baseline
▲ 0.50% · 4.625%
HK$19,951
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,904/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,856
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,443
−HK$596/mo
Today · 4.125%
HK$20,039
baseline
▲ 0.50% · 4.625%
HK$21,258
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,078/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,977
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,540
−HK$571/mo
Today · 4.125%
HK$22,111
baseline
▲ 0.50% · 4.625%
HK$23,276
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,222/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,244
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,998
−HK$766/mo
Today · 4.125%
HK$25,764
baseline
▲ 0.50% · 4.625%
HK$27,332
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,528/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,971
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$734/mo
Today · 4.125%
HK$28,428
baseline
▲ 0.50% · 4.625%
HK$29,927
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,856/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,901 · 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).