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$13,459
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$425/mo
Today · 4.125%
HK$14,303
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,606/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,973
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$407/mo
Today · 4.125%
HK$15,782
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,564/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,151
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$511/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,208
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,328/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,968
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$488/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$999/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,843
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,429
−HK$595/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,219/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$570/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,226
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,980
−HK$766/mo
Today · 4.125%
HK$25,746
baseline
▲ 0.50% · 4.625%
HK$27,312
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,492/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,952
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$734/mo
Today · 4.125%
HK$28,408
baseline
▲ 0.50% · 4.625%
HK$29,905
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,816/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,806 · 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).