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$13,350
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$422/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,374/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,851
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$404/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,479
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,020
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,518
−HK$506/mo
Today · 4.125%
HK$17,024
baseline
▲ 0.50% · 4.625%
HK$18,060
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,048/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,822
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$484/mo
Today · 4.125%
HK$18,784
baseline
▲ 0.50% · 4.625%
HK$19,775
+HK$991/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,568/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,689
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,271
−HK$590/mo
Today · 4.125%
HK$19,861
baseline
▲ 0.50% · 4.625%
HK$21,070
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,722/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,792
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$566/mo
Today · 4.125%
HK$21,915
baseline
▲ 0.50% · 4.625%
HK$23,070
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,830/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,029
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$759/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$27,090
+HK$1,554/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,732
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,449
−HK$728/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,662
+HK$1,485/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,725 · 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).