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$13,423
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$424/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,133
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,530/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,933
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,334
−HK$406/mo
Today · 4.125%
HK$15,740
baseline
▲ 0.50% · 4.625%
HK$16,570
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,480/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,108
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$509/mo
Today · 4.125%
HK$17,118
baseline
▲ 0.50% · 4.625%
HK$18,160
+HK$1,042/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,236/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,401
−HK$487/mo
Today · 4.125%
HK$18,888
baseline
▲ 0.50% · 4.625%
HK$19,884
+HK$996/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,776/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,377
−HK$594/mo
Today · 4.125%
HK$19,971
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,942/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,468
−HK$568/mo
Today · 4.125%
HK$22,036
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,072/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$763/mo
Today · 4.125%
HK$25,677
baseline
▲ 0.50% · 4.625%
HK$27,240
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,354/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,880
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$731/mo
Today · 4.125%
HK$28,332
baseline
▲ 0.50% · 4.625%
HK$29,826
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,664/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,454 · 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).