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$13,386
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$423/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$865/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,892
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$406/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,524
+HK$827/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,394/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,063
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,563
−HK$508/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$18,109
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,870
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,350
−HK$486/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,829
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,741
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,324
−HK$592/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,849
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$567/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,095
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,845
−HK$761/mo
Today · 4.125%
HK$25,606
baseline
▲ 0.50% · 4.625%
HK$27,164
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,212/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,806
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$730/mo
Today · 4.125%
HK$28,254
baseline
▲ 0.50% · 4.625%
HK$29,743
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,508/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,086 · 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).