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$13,458
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,877
−HK$425/mo
Today · 4.125%
HK$14,302
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,604/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,972
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$407/mo
Today · 4.125%
HK$15,781
baseline
▲ 0.50% · 4.625%
HK$16,613
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,562/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,150
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,652
−HK$511/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,207
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,449
−HK$488/mo
Today · 4.125%
HK$18,937
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,874/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$595/mo
Today · 4.125%
HK$20,023
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,046/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$571/mo
Today · 4.125%
HK$22,094
baseline
▲ 0.50% · 4.625%
HK$23,258
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,188/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,225
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$765/mo
Today · 4.125%
HK$25,744
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,488/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,950
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,673
−HK$733/mo
Today · 4.125%
HK$28,406
baseline
▲ 0.50% · 4.625%
HK$29,903
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,812/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,798 · 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).