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$13,419
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$424/mo
Today · 4.125%
HK$14,261
baseline
▲ 0.50% · 4.625%
HK$15,129
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,522/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,929
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,329
−HK$406/mo
Today · 4.125%
HK$15,735
baseline
▲ 0.50% · 4.625%
HK$16,565
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,470/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,103
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$509/mo
Today · 4.125%
HK$17,113
baseline
▲ 0.50% · 4.625%
HK$18,154
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,226/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,915
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$487/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$19,878
+HK$996/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,787
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,371
−HK$594/mo
Today · 4.125%
HK$19,965
baseline
▲ 0.50% · 4.625%
HK$21,180
+HK$1,215/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,930/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,900
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,461
−HK$569/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,191
+HK$1,161/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,906
−HK$763/mo
Today · 4.125%
HK$25,669
baseline
▲ 0.50% · 4.625%
HK$27,231
+HK$1,562/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$51,338/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,872
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,593
−HK$731/mo
Today · 4.125%
HK$28,324
baseline
▲ 0.50% · 4.625%
HK$29,817
+HK$1,493/mo
Deposit HK$588K · loan HK$5.30M · min. income ≈ HK$56,648/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,413 · 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).