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$13,407
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,824
−HK$424/mo
Today · 4.125%
HK$14,248
baseline
▲ 0.50% · 4.625%
HK$15,115
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,496/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,915
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,315
−HK$406/mo
Today · 4.125%
HK$15,721
baseline
▲ 0.50% · 4.625%
HK$16,550
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,442/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,088
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,589
−HK$508/mo
Today · 4.125%
HK$17,097
baseline
▲ 0.50% · 4.625%
HK$18,138
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,194/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,898
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$487/mo
Today · 4.125%
HK$18,865
baseline
▲ 0.50% · 4.625%
HK$19,860
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,730/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,770
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$593/mo
Today · 4.125%
HK$19,947
baseline
▲ 0.50% · 4.625%
HK$21,161
+HK$1,214/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,894/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,881
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,441
−HK$568/mo
Today · 4.125%
HK$22,009
baseline
▲ 0.50% · 4.625%
HK$23,170
+HK$1,161/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,018/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,133
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,883
−HK$763/mo
Today · 4.125%
HK$25,646
baseline
▲ 0.50% · 4.625%
HK$27,207
+HK$1,561/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,292/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,847
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,567
−HK$731/mo
Today · 4.125%
HK$28,298
baseline
▲ 0.50% · 4.625%
HK$29,789
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,596/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,292 · 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).