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$13,440
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,858
−HK$425/mo
Today · 4.125%
HK$14,283
baseline
▲ 0.50% · 4.625%
HK$15,152
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,566/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,952
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,353
−HK$407/mo
Today · 4.125%
HK$15,760
baseline
▲ 0.50% · 4.625%
HK$16,591
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,520/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,128
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$510/mo
Today · 4.125%
HK$17,140
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,280/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,943
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$488/mo
Today · 4.125%
HK$18,912
baseline
▲ 0.50% · 4.625%
HK$19,909
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,824/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,816
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,402
−HK$594/mo
Today · 4.125%
HK$19,996
baseline
▲ 0.50% · 4.625%
HK$21,213
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$39,992/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,933
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,495
−HK$569/mo
Today · 4.125%
HK$22,064
baseline
▲ 0.50% · 4.625%
HK$23,227
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,128/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,193
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$765/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,274
+HK$1,564/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,914
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$732/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$29,863
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,621 · 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).