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$13,404
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,821
−HK$424/mo
Today · 4.125%
HK$14,245
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,490/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,912
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,312
−HK$406/mo
Today · 4.125%
HK$15,718
baseline
▲ 0.50% · 4.625%
HK$16,546
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,436/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,085
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$508/mo
Today · 4.125%
HK$17,094
baseline
▲ 0.50% · 4.625%
HK$18,134
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,188/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,895
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$486/mo
Today · 4.125%
HK$18,861
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,722/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,766
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,350
−HK$593/mo
Today · 4.125%
HK$19,943
baseline
▲ 0.50% · 4.625%
HK$21,156
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,886/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,877
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,437
−HK$568/mo
Today · 4.125%
HK$22,005
baseline
▲ 0.50% · 4.625%
HK$23,165
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$44,010/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,128
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$763/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$27,201
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,842
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,562
−HK$730/mo
Today · 4.125%
HK$28,292
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,492/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,584/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,266 · 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).