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$13,376
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,792
−HK$423/mo
Today · 4.125%
HK$14,215
baseline
▲ 0.50% · 4.625%
HK$15,080
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,430/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$131,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,881
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,280
−HK$405/mo
Today · 4.125%
HK$15,685
baseline
▲ 0.50% · 4.625%
HK$16,512
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,370/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$131,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,052
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$507/mo
Today · 4.125%
HK$17,058
baseline
▲ 0.50% · 4.625%
HK$18,096
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,116/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,857
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,336
−HK$486/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,814
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,727
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,309
−HK$592/mo
Today · 4.125%
HK$19,901
baseline
▲ 0.50% · 4.625%
HK$21,112
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,802/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,833
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$567/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,117
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,918/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,077
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,826
−HK$761/mo
Today · 4.125%
HK$25,587
baseline
▲ 0.50% · 4.625%
HK$27,144
+HK$1,557/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,174/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$131,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,786
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$729/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,488/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$131,989 · 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).