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$13,437
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$424/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,148
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,948
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$407/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,586
+HK$830/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,124
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$509/mo
Today · 4.125%
HK$17,135
baseline
▲ 0.50% · 4.625%
HK$18,178
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,270/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,938
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,419
−HK$488/mo
Today · 4.125%
HK$18,907
baseline
▲ 0.50% · 4.625%
HK$19,904
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,814/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,812
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$594/mo
Today · 4.125%
HK$19,991
baseline
▲ 0.50% · 4.625%
HK$21,208
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,982/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$569/mo
Today · 4.125%
HK$22,058
baseline
▲ 0.50% · 4.625%
HK$23,221
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,116/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,186
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$764/mo
Today · 4.125%
HK$25,703
baseline
▲ 0.50% · 4.625%
HK$27,267
+HK$1,564/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,406/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,907
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$732/mo
Today · 4.125%
HK$28,361
baseline
▲ 0.50% · 4.625%
HK$29,856
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,722/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,586 · 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).