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$13,385
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,801
−HK$423/mo
Today · 4.125%
HK$14,224
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$866/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,448/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,890
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$405/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,522
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,390/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,062
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,561
−HK$508/mo
Today · 4.125%
HK$17,069
baseline
▲ 0.50% · 4.625%
HK$18,107
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,138/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,868
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$486/mo
Today · 4.125%
HK$18,834
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,668/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,739
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,321
−HK$593/mo
Today · 4.125%
HK$19,914
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,828/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,846
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,406
−HK$567/mo
Today · 4.125%
HK$21,973
baseline
▲ 0.50% · 4.625%
HK$23,131
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,946/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$761/mo
Today · 4.125%
HK$25,603
baseline
▲ 0.50% · 4.625%
HK$27,161
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,206/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,521
−HK$730/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,740
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,071 · 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).