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$13,370
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,786
−HK$423/mo
Today · 4.125%
HK$14,209
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,418/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,875
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,273
−HK$405/mo
Today · 4.125%
HK$15,678
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,356/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,045
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,544
−HK$507/mo
Today · 4.125%
HK$17,051
baseline
▲ 0.50% · 4.625%
HK$18,088
+HK$1,037/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,102/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,328
−HK$486/mo
Today · 4.125%
HK$18,814
baseline
▲ 0.50% · 4.625%
HK$19,805
+HK$991/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,628/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,719
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,301
−HK$591/mo
Today · 4.125%
HK$19,892
baseline
▲ 0.50% · 4.625%
HK$21,103
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,784/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,824
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$566/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,067
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,815
−HK$761/mo
Today · 4.125%
HK$25,576
baseline
▲ 0.50% · 4.625%
HK$27,132
+HK$1,556/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,152/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,774
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,492
−HK$729/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,708
+HK$1,487/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,931 · 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).