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$13,381
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,797
−HK$423/mo
Today · 4.125%
HK$14,220
baseline
▲ 0.50% · 4.625%
HK$15,085
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,440/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,886
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$405/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,517
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,057
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,556
−HK$508/mo
Today · 4.125%
HK$17,064
baseline
▲ 0.50% · 4.625%
HK$18,102
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,128/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,863
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,342
−HK$486/mo
Today · 4.125%
HK$18,828
baseline
▲ 0.50% · 4.625%
HK$19,820
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,656/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,733
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$592/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$21,119
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,840
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,399
−HK$567/mo
Today · 4.125%
HK$21,966
baseline
▲ 0.50% · 4.625%
HK$23,124
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,932/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,085
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,834
−HK$761/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$27,153
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,794
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,513
−HK$729/mo
Today · 4.125%
HK$28,242
baseline
▲ 0.50% · 4.625%
HK$29,731
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,484/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,031 · 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).