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$13,392
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,809
−HK$423/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$15,098
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,464/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,899
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$405/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,070
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,570
−HK$508/mo
Today · 4.125%
HK$17,078
baseline
▲ 0.50% · 4.625%
HK$18,117
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,156/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,878
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,358
−HK$486/mo
Today · 4.125%
HK$18,844
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,688/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,749
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,332
−HK$593/mo
Today · 4.125%
HK$19,925
baseline
▲ 0.50% · 4.625%
HK$21,137
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,850/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,858
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,417
−HK$568/mo
Today · 4.125%
HK$21,985
baseline
▲ 0.50% · 4.625%
HK$23,144
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,970/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,106
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,856
−HK$761/mo
Today · 4.125%
HK$25,617
baseline
▲ 0.50% · 4.625%
HK$27,176
+HK$1,559/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$51,234/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,817
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,537
−HK$729/mo
Today · 4.125%
HK$28,266
baseline
▲ 0.50% · 4.625%
HK$29,756
+HK$1,490/mo
Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$56,532/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,144 · 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).