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$13,419
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,836
−HK$424/mo
Today · 4.125%
HK$14,260
baseline
▲ 0.50% · 4.625%
HK$15,128
+HK$868/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$132,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,928
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,329
−HK$406/mo
Today · 4.125%
HK$15,735
baseline
▲ 0.50% · 4.625%
HK$16,564
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,470/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,407 · 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$132,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,914
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,394
−HK$488/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$19,877
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,786
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,371
−HK$593/mo
Today · 4.125%
HK$19,964
baseline
▲ 0.50% · 4.625%
HK$21,179
+HK$1,215/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$132,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,899
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,460
−HK$569/mo
Today · 4.125%
HK$22,029
baseline
▲ 0.50% · 4.625%
HK$23,190
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,058/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,154
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,905
−HK$763/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,230
+HK$1,562/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$132,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,871
−HK$1,451/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$132,407 · 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).