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$13,448
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,866
−HK$425/mo
Today · 4.125%
HK$14,291
baseline
▲ 0.50% · 4.625%
HK$15,160
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,582/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,960
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,362
−HK$407/mo
Today · 4.125%
HK$15,769
baseline
▲ 0.50% · 4.625%
HK$16,600
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,538/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,137
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,639
−HK$510/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,193
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,298/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,952
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,434
−HK$488/mo
Today · 4.125%
HK$18,922
baseline
▲ 0.50% · 4.625%
HK$19,920
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,844/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,412
−HK$595/mo
Today · 4.125%
HK$20,007
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,014/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,944
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,506
−HK$570/mo
Today · 4.125%
HK$22,076
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,152/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,206
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,959
−HK$765/mo
Today · 4.125%
HK$25,724
baseline
▲ 0.50% · 4.625%
HK$27,289
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,448/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,929
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,651
−HK$732/mo
Today · 4.125%
HK$28,383
baseline
▲ 0.50% · 4.625%
HK$29,880
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,766/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,692 · 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).