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$13,435
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,853
−HK$424/mo
Today · 4.125%
HK$14,277
baseline
▲ 0.50% · 4.625%
HK$15,146
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,554/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,946
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,347
−HK$407/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,584
+HK$830/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,508/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,122
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,623
−HK$510/mo
Today · 4.125%
HK$17,133
baseline
▲ 0.50% · 4.625%
HK$18,175
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,266/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,935
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,416
−HK$488/mo
Today · 4.125%
HK$18,904
baseline
▲ 0.50% · 4.625%
HK$19,901
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,808/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,809
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$594/mo
Today · 4.125%
HK$19,988
baseline
▲ 0.50% · 4.625%
HK$21,205
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,976/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$569/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,218
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,183
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$764/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,263
+HK$1,564/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,903
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$732/mo
Today · 4.125%
HK$28,357
baseline
▲ 0.50% · 4.625%
HK$29,851
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,714/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,567 · 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).