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$13,452
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$425/mo
Today · 4.125%
HK$14,295
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,590/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,965
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,366
−HK$408/mo
Today · 4.125%
HK$15,774
baseline
▲ 0.50% · 4.625%
HK$16,605
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,548/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,142
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,644
−HK$511/mo
Today · 4.125%
HK$17,155
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,310/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,958
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$488/mo
Today · 4.125%
HK$18,928
baseline
▲ 0.50% · 4.625%
HK$19,926
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,856/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,833
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,418
−HK$596/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,951
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,513
−HK$570/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,247
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$765/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$733/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,496/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,735 · 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).