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$13,417
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,834
−HK$424/mo
Today · 4.125%
HK$14,258
baseline
▲ 0.50% · 4.625%
HK$15,126
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,516/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,926
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$407/mo
Today · 4.125%
HK$15,733
baseline
▲ 0.50% · 4.625%
HK$16,562
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,466/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,100
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,601
−HK$509/mo
Today · 4.125%
HK$17,110
baseline
▲ 0.50% · 4.625%
HK$18,151
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,220/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,911
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,392
−HK$487/mo
Today · 4.125%
HK$18,879
baseline
▲ 0.50% · 4.625%
HK$19,874
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,758/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,784
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$594/mo
Today · 4.125%
HK$19,962
baseline
▲ 0.50% · 4.625%
HK$21,176
+HK$1,214/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,924/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,897
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,457
−HK$569/mo
Today · 4.125%
HK$22,026
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,052/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,902
−HK$763/mo
Today · 4.125%
HK$25,665
baseline
▲ 0.50% · 4.625%
HK$27,227
+HK$1,562/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$51,330/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,867
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,588
−HK$731/mo
Today · 4.125%
HK$28,319
baseline
▲ 0.50% · 4.625%
HK$29,811
+HK$1,492/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$56,638/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,389 · 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).