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$13,457
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,876
−HK$425/mo
Today · 4.125%
HK$14,301
baseline
▲ 0.50% · 4.625%
HK$15,171
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,602/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,971
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,373
−HK$407/mo
Today · 4.125%
HK$15,780
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,560/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,149
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$510/mo
Today · 4.125%
HK$17,161
baseline
▲ 0.50% · 4.625%
HK$18,206
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,322/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,447
−HK$489/mo
Today · 4.125%
HK$18,936
baseline
▲ 0.50% · 4.625%
HK$19,934
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,872/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,840
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,426
−HK$596/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,240
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,960
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,522
−HK$570/mo
Today · 4.125%
HK$22,092
baseline
▲ 0.50% · 4.625%
HK$23,257
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,184/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,223
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,977
−HK$765/mo
Today · 4.125%
HK$25,742
baseline
▲ 0.50% · 4.625%
HK$27,309
+HK$1,567/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,484/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,948
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,671
−HK$733/mo
Today · 4.125%
HK$28,404
baseline
▲ 0.50% · 4.625%
HK$29,901
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,808/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,788 · 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).