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$13,422
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$424/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,131
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,526/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,931
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,332
−HK$406/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,568
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,476/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,106
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,607
−HK$509/mo
Today · 4.125%
HK$17,116
baseline
▲ 0.50% · 4.625%
HK$18,157
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,232/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,918
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,398
−HK$488/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$19,881
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,790
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$594/mo
Today · 4.125%
HK$19,969
baseline
▲ 0.50% · 4.625%
HK$21,184
+HK$1,215/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,938/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,904
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$568/mo
Today · 4.125%
HK$22,033
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,066/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,159
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$764/mo
Today · 4.125%
HK$25,674
baseline
▲ 0.50% · 4.625%
HK$27,236
+HK$1,562/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,348/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,597
−HK$732/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$29,822
+HK$1,493/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,436 · 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).