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$13,373
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,789
−HK$423/mo
Today · 4.125%
HK$14,212
baseline
▲ 0.50% · 4.625%
HK$15,077
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,424/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,878
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,277
−HK$404/mo
Today · 4.125%
HK$15,681
baseline
▲ 0.50% · 4.625%
HK$16,508
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,362/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,048
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,547
−HK$507/mo
Today · 4.125%
HK$17,054
baseline
▲ 0.50% · 4.625%
HK$18,092
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,108/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,853
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,332
−HK$486/mo
Today · 4.125%
HK$18,818
baseline
▲ 0.50% · 4.625%
HK$19,809
+HK$991/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,636/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,722
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,305
−HK$592/mo
Today · 4.125%
HK$19,897
baseline
▲ 0.50% · 4.625%
HK$21,107
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,794/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,829
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,387
−HK$567/mo
Today · 4.125%
HK$21,954
baseline
▲ 0.50% · 4.625%
HK$23,111
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,908/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,072
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$761/mo
Today · 4.125%
HK$25,581
baseline
▲ 0.50% · 4.625%
HK$27,138
+HK$1,557/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,162/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,780
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,498
−HK$728/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,714
+HK$1,488/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,958 · 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).