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$13,451
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$425/mo
Today · 4.125%
HK$14,294
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,588/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,964
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$408/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,141
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,643
−HK$510/mo
Today · 4.125%
HK$17,153
baseline
▲ 0.50% · 4.625%
HK$18,197
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,306/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,957
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,439
−HK$488/mo
Today · 4.125%
HK$18,927
baseline
▲ 0.50% · 4.625%
HK$19,925
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,854/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,831
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,417
−HK$595/mo
Today · 4.125%
HK$20,012
baseline
▲ 0.50% · 4.625%
HK$21,230
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,024/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,950
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,512
−HK$570/mo
Today · 4.125%
HK$22,082
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,164/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,164/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,212
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,965
−HK$765/mo
Today · 4.125%
HK$25,730
baseline
▲ 0.50% · 4.625%
HK$27,296
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,460/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,935
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,658
−HK$733/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$29,887
+HK$1,496/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,726 · 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).