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$13,459
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,877
−HK$426/mo
Today · 4.125%
HK$14,303
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,606/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,973
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$408/mo
Today · 4.125%
HK$15,782
baseline
▲ 0.50% · 4.625%
HK$16,613
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,564/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,150
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$510/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,208
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,449
−HK$489/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$596/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,524
−HK$570/mo
Today · 4.125%
HK$22,094
baseline
▲ 0.50% · 4.625%
HK$23,259
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,188/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,226
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$766/mo
Today · 4.125%
HK$25,745
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,490/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,951
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$733/mo
Today · 4.125%
HK$28,407
baseline
▲ 0.50% · 4.625%
HK$29,904
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,814/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,802 · 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).