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$13,418
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,836
−HK$424/mo
Today · 4.125%
HK$14,260
baseline
▲ 0.50% · 4.625%
HK$15,127
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,520/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,928
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,328
−HK$406/mo
Today · 4.125%
HK$15,734
baseline
▲ 0.50% · 4.625%
HK$16,564
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,468/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,102
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,603
−HK$509/mo
Today · 4.125%
HK$17,112
baseline
▲ 0.50% · 4.625%
HK$18,153
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,224/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,913
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,394
−HK$487/mo
Today · 4.125%
HK$18,881
baseline
▲ 0.50% · 4.625%
HK$19,876
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,762/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,786
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,370
−HK$594/mo
Today · 4.125%
HK$19,964
baseline
▲ 0.50% · 4.625%
HK$21,178
+HK$1,214/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,928/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,899
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$569/mo
Today · 4.125%
HK$22,028
baseline
▲ 0.50% · 4.625%
HK$23,189
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,056/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,153
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,904
−HK$764/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,561/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,870
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,591
−HK$731/mo
Today · 4.125%
HK$28,322
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,493/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$56,644/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,404 · 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).