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$13,342
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,757
−HK$421/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$15,041
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,356/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,843
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,241
−HK$403/mo
Today · 4.125%
HK$15,644
baseline
▲ 0.50% · 4.625%
HK$16,469
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,288/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,010
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$506/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$18,049
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,028/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,811
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$484/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,546/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,678
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$591/mo
Today · 4.125%
HK$19,850
baseline
▲ 0.50% · 4.625%
HK$21,058
+HK$1,208/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,700/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$565/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,804/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,015
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,762
−HK$759/mo
Today · 4.125%
HK$25,521
baseline
▲ 0.50% · 4.625%
HK$27,074
+HK$1,553/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,042/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,717
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,433
−HK$727/mo
Today · 4.125%
HK$28,160
baseline
▲ 0.50% · 4.625%
HK$29,644
+HK$1,484/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,320/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,647 · 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).