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$13,447
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,865
−HK$425/mo
Today · 4.125%
HK$14,290
baseline
▲ 0.50% · 4.625%
HK$15,160
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,580/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,960
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,361
−HK$407/mo
Today · 4.125%
HK$15,768
baseline
▲ 0.50% · 4.625%
HK$16,599
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,536/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,136
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$510/mo
Today · 4.125%
HK$17,148
baseline
▲ 0.50% · 4.625%
HK$18,192
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,296/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,951
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$488/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$19,919
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,826
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,411
−HK$595/mo
Today · 4.125%
HK$20,006
baseline
▲ 0.50% · 4.625%
HK$21,224
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,012/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,505
−HK$570/mo
Today · 4.125%
HK$22,075
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,150/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,204
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$765/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,287
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,927
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,649
−HK$733/mo
Today · 4.125%
HK$28,382
baseline
▲ 0.50% · 4.625%
HK$29,878
+HK$1,496/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,764/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,685 · 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).