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$13,401
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$424/mo
Today · 4.125%
HK$14,241
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,482/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,908
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$405/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,542
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,426/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,081
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,581
−HK$508/mo
Today · 4.125%
HK$17,089
baseline
▲ 0.50% · 4.625%
HK$18,129
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,178/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,890
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,369
−HK$487/mo
Today · 4.125%
HK$18,856
baseline
▲ 0.50% · 4.625%
HK$19,850
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,712/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,761
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$593/mo
Today · 4.125%
HK$19,937
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,874/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$568/mo
Today · 4.125%
HK$21,999
baseline
▲ 0.50% · 4.625%
HK$23,158
+HK$1,159/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,998/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,121
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$763/mo
Today · 4.125%
HK$25,634
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,559/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,268/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,554
−HK$730/mo
Today · 4.125%
HK$28,284
baseline
▲ 0.50% · 4.625%
HK$29,775
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,568/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,228 · 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).