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$13,366
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$423/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$15,069
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,410/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,870
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,269
−HK$404/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,346/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,040
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$507/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,092/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,844
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,323
−HK$485/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,799
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,616/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$591/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$567/mo
Today · 4.125%
HK$21,943
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,886/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,060
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,808
−HK$760/mo
Today · 4.125%
HK$25,568
baseline
▲ 0.50% · 4.625%
HK$27,124
+HK$1,556/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,136/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,766
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,484
−HK$728/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,699
+HK$1,487/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,891 · 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).