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$13,450
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$425/mo
Today · 4.125%
HK$14,293
baseline
▲ 0.50% · 4.625%
HK$15,163
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,586/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,963
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$407/mo
Today · 4.125%
HK$15,771
baseline
▲ 0.50% · 4.625%
HK$16,602
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,542/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,140
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,642
−HK$510/mo
Today · 4.125%
HK$17,152
baseline
▲ 0.50% · 4.625%
HK$18,195
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,304/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,955
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,437
−HK$488/mo
Today · 4.125%
HK$18,925
baseline
▲ 0.50% · 4.625%
HK$19,923
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,850/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,830
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,415
−HK$595/mo
Today · 4.125%
HK$20,010
baseline
▲ 0.50% · 4.625%
HK$21,228
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,020/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,948
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,510
−HK$570/mo
Today · 4.125%
HK$22,080
baseline
▲ 0.50% · 4.625%
HK$23,243
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,160/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,210
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,963
−HK$765/mo
Today · 4.125%
HK$25,728
baseline
▲ 0.50% · 4.625%
HK$27,293
+HK$1,565/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,456/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,933
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,655
−HK$733/mo
Today · 4.125%
HK$28,388
baseline
▲ 0.50% · 4.625%
HK$29,884
+HK$1,496/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,776/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,713 · 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).