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$13,383
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,799
−HK$423/mo
Today · 4.125%
HK$14,222
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,444/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,888
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,288
−HK$405/mo
Today · 4.125%
HK$15,693
baseline
▲ 0.50% · 4.625%
HK$16,520
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,386/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,059
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,559
−HK$507/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$18,105
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,132/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,866
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,345
−HK$486/mo
Today · 4.125%
HK$18,831
baseline
▲ 0.50% · 4.625%
HK$19,824
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,662/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,736
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,319
−HK$592/mo
Today · 4.125%
HK$19,911
baseline
▲ 0.50% · 4.625%
HK$21,122
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,822/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,844
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,403
−HK$567/mo
Today · 4.125%
HK$21,970
baseline
▲ 0.50% · 4.625%
HK$23,128
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,940/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,089
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,838
−HK$762/mo
Today · 4.125%
HK$25,600
baseline
▲ 0.50% · 4.625%
HK$27,157
+HK$1,557/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,200/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,799
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,518
−HK$729/mo
Today · 4.125%
HK$28,247
baseline
▲ 0.50% · 4.625%
HK$29,736
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,494/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,053 · 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).