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$13,424
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$424/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,133
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,530/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,934
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,334
−HK$407/mo
Today · 4.125%
HK$15,741
baseline
▲ 0.50% · 4.625%
HK$16,570
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,482/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,108
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$510/mo
Today · 4.125%
HK$17,119
baseline
▲ 0.50% · 4.625%
HK$18,160
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,238/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,401
−HK$488/mo
Today · 4.125%
HK$18,889
baseline
▲ 0.50% · 4.625%
HK$19,884
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,778/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,378
−HK$594/mo
Today · 4.125%
HK$19,972
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,215/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,944/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,468
−HK$569/mo
Today · 4.125%
HK$22,037
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,074/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,163
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$764/mo
Today · 4.125%
HK$25,678
baseline
▲ 0.50% · 4.625%
HK$27,240
+HK$1,562/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,356/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,881
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,602
−HK$731/mo
Today · 4.125%
HK$28,333
baseline
▲ 0.50% · 4.625%
HK$29,826
+HK$1,493/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,666/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,456 · 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).