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$13,415
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,833
−HK$424/mo
Today · 4.125%
HK$14,257
baseline
▲ 0.50% · 4.625%
HK$15,124
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,514/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,924
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,325
−HK$406/mo
Today · 4.125%
HK$15,731
baseline
▲ 0.50% · 4.625%
HK$16,560
+HK$829/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,462/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,098
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,599
−HK$509/mo
Today · 4.125%
HK$17,108
baseline
▲ 0.50% · 4.625%
HK$18,149
+HK$1,041/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,216/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,909
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,390
−HK$487/mo
Today · 4.125%
HK$18,877
baseline
▲ 0.50% · 4.625%
HK$19,872
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,754/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,781
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,366
−HK$593/mo
Today · 4.125%
HK$19,959
baseline
▲ 0.50% · 4.625%
HK$21,174
+HK$1,215/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,918/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,894
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,455
−HK$568/mo
Today · 4.125%
HK$22,023
baseline
▲ 0.50% · 4.625%
HK$23,184
+HK$1,161/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,046/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,148
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,899
−HK$763/mo
Today · 4.125%
HK$25,662
baseline
▲ 0.50% · 4.625%
HK$27,223
+HK$1,561/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,324/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,864
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,584
−HK$731/mo
Today · 4.125%
HK$28,315
baseline
▲ 0.50% · 4.625%
HK$29,808
+HK$1,493/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,630/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,374 · 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).