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$13,386
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$423/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,450/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,891
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$405/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,523
+HK$827/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,392/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,063
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,562
−HK$508/mo
Today · 4.125%
HK$17,070
baseline
▲ 0.50% · 4.625%
HK$18,109
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,140/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,870
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$486/mo
Today · 4.125%
HK$18,835
baseline
▲ 0.50% · 4.625%
HK$19,828
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,670/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$592/mo
Today · 4.125%
HK$19,915
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,830/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,848
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$567/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,094
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$761/mo
Today · 4.125%
HK$25,605
baseline
▲ 0.50% · 4.625%
HK$27,163
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,210/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,805
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,523
−HK$730/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,742
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,081 · 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).