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$13,467
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,886
−HK$425/mo
Today · 4.125%
HK$14,311
baseline
▲ 0.50% · 4.625%
HK$15,182
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,622/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,982
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,383
−HK$408/mo
Today · 4.125%
HK$15,791
baseline
▲ 0.50% · 4.625%
HK$16,623
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,582/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,160
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,663
−HK$511/mo
Today · 4.125%
HK$17,174
baseline
▲ 0.50% · 4.625%
HK$18,219
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,348/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,978
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,460
−HK$489/mo
Today · 4.125%
HK$18,949
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,898/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,854
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,440
−HK$596/mo
Today · 4.125%
HK$20,036
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,072/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,974
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$571/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,240
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,994
−HK$766/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,967
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,690
−HK$734/mo
Today · 4.125%
HK$28,424
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,498/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,848/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,882 · 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).