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$13,365
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,780
−HK$423/mo
Today · 4.125%
HK$14,203
baseline
▲ 0.50% · 4.625%
HK$15,067
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,406/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,868
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,267
−HK$404/mo
Today · 4.125%
HK$15,671
baseline
▲ 0.50% · 4.625%
HK$16,497
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,342/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,038
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,536
−HK$507/mo
Today · 4.125%
HK$17,043
baseline
▲ 0.50% · 4.625%
HK$18,080
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,086/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,320
−HK$486/mo
Today · 4.125%
HK$18,806
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$991/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,612/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,292
−HK$592/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$21,094
+HK$1,210/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,815
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$567/mo
Today · 4.125%
HK$21,940
baseline
▲ 0.50% · 4.625%
HK$23,096
+HK$1,156/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,880/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$760/mo
Today · 4.125%
HK$25,565
baseline
▲ 0.50% · 4.625%
HK$27,120
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,130/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,762
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,480
−HK$728/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,487/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,873 · 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).