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$13,372
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$423/mo
Today · 4.125%
HK$14,211
baseline
▲ 0.50% · 4.625%
HK$15,075
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,422/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,876
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,275
−HK$405/mo
Today · 4.125%
HK$15,680
baseline
▲ 0.50% · 4.625%
HK$16,507
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,360/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,047
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,546
−HK$507/mo
Today · 4.125%
HK$17,053
baseline
▲ 0.50% · 4.625%
HK$18,090
+HK$1,037/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,106/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,852
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$486/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,808
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,721
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,303
−HK$592/mo
Today · 4.125%
HK$19,895
baseline
▲ 0.50% · 4.625%
HK$21,106
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,790/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,827
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,386
−HK$566/mo
Today · 4.125%
HK$21,952
baseline
▲ 0.50% · 4.625%
HK$23,109
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,904/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,070
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,819
−HK$760/mo
Today · 4.125%
HK$25,579
baseline
▲ 0.50% · 4.625%
HK$27,136
+HK$1,557/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$51,158/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,778
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,496
−HK$728/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,712
+HK$1,488/mo
Deposit HK$586K · loan HK$5.28M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,948 · 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).