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$842/mo
▼ 0.25% · 3.875%
HK$13,840
−HK$424/mo
Today · 4.125%
HK$14,264
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,528/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,932
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,332
−HK$407/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,568
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,440 · 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$18,158
+HK$1,042/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$132,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,918
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,399
−HK$487/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$19,882
+HK$996/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$132,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,178/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$132,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,905
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$569/mo
Today · 4.125%
HK$22,034
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,068/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,160
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,911
−HK$764/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,562/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,598
−HK$731/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,494/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$132,440 · 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).