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$13,470
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,889
−HK$426/mo
Today · 4.125%
HK$14,315
baseline
▲ 0.50% · 4.625%
HK$15,186
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,630/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,985
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,387
−HK$408/mo
Today · 4.125%
HK$15,795
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,590/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,164
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,667
−HK$511/mo
Today · 4.125%
HK$17,178
baseline
▲ 0.50% · 4.625%
HK$18,223
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,356/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,982
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,464
−HK$490/mo
Today · 4.125%
HK$18,954
baseline
▲ 0.50% · 4.625%
HK$19,953
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,908/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,858
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,445
−HK$595/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,260
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,542
−HK$571/mo
Today · 4.125%
HK$22,113
baseline
▲ 0.50% · 4.625%
HK$23,278
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,226/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,246
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,000
−HK$766/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,697
−HK$734/mo
Today · 4.125%
HK$28,431
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,498/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,862/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,913 · 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).