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$13,389
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,805
−HK$423/mo
Today · 4.125%
HK$14,228
baseline
▲ 0.50% · 4.625%
HK$15,094
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,456/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,895
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,294
−HK$406/mo
Today · 4.125%
HK$15,700
baseline
▲ 0.50% · 4.625%
HK$16,527
+HK$827/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,400/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,067
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$508/mo
Today · 4.125%
HK$17,074
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,148/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,874
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,353
−HK$487/mo
Today · 4.125%
HK$18,840
baseline
▲ 0.50% · 4.625%
HK$19,833
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,680/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,744
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,327
−HK$593/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$568/mo
Today · 4.125%
HK$21,980
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,960/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,100
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$761/mo
Today · 4.125%
HK$25,611
baseline
▲ 0.50% · 4.625%
HK$27,170
+HK$1,559/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,222/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,811
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,530
−HK$729/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,749
+HK$1,490/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,112 · 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).