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$13,464
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,883
−HK$426/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,179
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,618/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,979
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$407/mo
Today · 4.125%
HK$15,788
baseline
▲ 0.50% · 4.625%
HK$16,621
+HK$833/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,576/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,157
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,660
−HK$510/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,215
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,340/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,975
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$489/mo
Today · 4.125%
HK$18,946
baseline
▲ 0.50% · 4.625%
HK$19,945
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,892/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,850
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$595/mo
Today · 4.125%
HK$20,032
baseline
▲ 0.50% · 4.625%
HK$21,251
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,064/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,971
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$571/mo
Today · 4.125%
HK$22,104
baseline
▲ 0.50% · 4.625%
HK$23,269
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,208/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,236
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,990
−HK$766/mo
Today · 4.125%
HK$25,756
baseline
▲ 0.50% · 4.625%
HK$27,323
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,512/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,962
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$734/mo
Today · 4.125%
HK$28,419
baseline
▲ 0.50% · 4.625%
HK$29,917
+HK$1,498/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,838/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,858 · 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).