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$13,444
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,862
−HK$425/mo
Today · 4.125%
HK$14,287
baseline
▲ 0.50% · 4.625%
HK$15,156
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,574/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,956
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$407/mo
Today · 4.125%
HK$15,764
baseline
▲ 0.50% · 4.625%
HK$16,595
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,528/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,132
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,634
−HK$510/mo
Today · 4.125%
HK$17,144
baseline
▲ 0.50% · 4.625%
HK$18,187
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,288/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,947
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,428
−HK$489/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$19,914
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,821
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,406
−HK$595/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,218
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,938
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,500
−HK$569/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,233
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,198
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,951
−HK$765/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,281
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,921
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,643
−HK$732/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$29,871
+HK$1,496/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,653 · 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).