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$13,420
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$425/mo
Today · 4.125%
HK$14,262
baseline
▲ 0.50% · 4.625%
HK$15,129
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,524/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,930
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,330
−HK$406/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,566
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,472/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,104
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$509/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,155
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,916
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,396
−HK$487/mo
Today · 4.125%
HK$18,883
baseline
▲ 0.50% · 4.625%
HK$19,879
+HK$996/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,766/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,788
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$594/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,181
+HK$1,215/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,901
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,462
−HK$569/mo
Today · 4.125%
HK$22,031
baseline
▲ 0.50% · 4.625%
HK$23,192
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,062/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,156
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,907
−HK$764/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,562/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,873
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$731/mo
Today · 4.125%
HK$28,325
baseline
▲ 0.50% · 4.625%
HK$29,818
+HK$1,493/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,650/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,420 · 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).