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$13,472
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,891
−HK$425/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,188
+HK$872/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,632/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,987
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,389
−HK$408/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,594/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,166
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$511/mo
Today · 4.125%
HK$17,180
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,360/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,984
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$489/mo
Today · 4.125%
HK$18,956
baseline
▲ 0.50% · 4.625%
HK$19,955
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,912/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,860
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,447
−HK$596/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,263
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,982
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,545
−HK$570/mo
Today · 4.125%
HK$22,115
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,230/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,003
−HK$767/mo
Today · 4.125%
HK$25,770
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,540/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,977
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$734/mo
Today · 4.125%
HK$28,434
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,868/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,929 · 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).