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$13,403
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,820
−HK$423/mo
Today · 4.125%
HK$14,243
baseline
▲ 0.50% · 4.625%
HK$15,110
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,486/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,910
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,310
−HK$406/mo
Today · 4.125%
HK$15,716
baseline
▲ 0.50% · 4.625%
HK$16,544
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,432/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,083
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$508/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$18,132
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,184/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,892
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$487/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,718/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,764
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,347
−HK$593/mo
Today · 4.125%
HK$19,940
baseline
▲ 0.50% · 4.625%
HK$21,154
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,880/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,875
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,434
−HK$568/mo
Today · 4.125%
HK$22,002
baseline
▲ 0.50% · 4.625%
HK$23,162
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$44,004/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,125
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,875
−HK$763/mo
Today · 4.125%
HK$25,638
baseline
▲ 0.50% · 4.625%
HK$27,198
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,276/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,839
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,558
−HK$731/mo
Today · 4.125%
HK$28,289
baseline
▲ 0.50% · 4.625%
HK$29,780
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,578/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,249 · 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).