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$13,434
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$425/mo
Today · 4.125%
HK$14,277
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$868/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,554/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,945
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,346
−HK$407/mo
Today · 4.125%
HK$15,753
baseline
▲ 0.50% · 4.625%
HK$16,583
+HK$830/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,506/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,121
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$510/mo
Today · 4.125%
HK$17,132
baseline
▲ 0.50% · 4.625%
HK$18,174
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,264/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,934
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,415
−HK$488/mo
Today · 4.125%
HK$18,903
baseline
▲ 0.50% · 4.625%
HK$19,900
+HK$997/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,806/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$594/mo
Today · 4.125%
HK$19,987
baseline
▲ 0.50% · 4.625%
HK$21,203
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,974/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,923
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,485
−HK$569/mo
Today · 4.125%
HK$22,054
baseline
▲ 0.50% · 4.625%
HK$23,216
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,108/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,181
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,934
−HK$764/mo
Today · 4.125%
HK$25,698
baseline
▲ 0.50% · 4.625%
HK$27,261
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,396/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,902
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,623
−HK$732/mo
Today · 4.125%
HK$28,355
baseline
▲ 0.50% · 4.625%
HK$29,850
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,710/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,559 · 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).