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$13,350
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$422/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$863/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,374/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,852
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$404/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,479
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,020
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,518
−HK$507/mo
Today · 4.125%
HK$17,025
baseline
▲ 0.50% · 4.625%
HK$18,061
+HK$1,036/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,050/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,822
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$485/mo
Today · 4.125%
HK$18,785
baseline
▲ 0.50% · 4.625%
HK$19,775
+HK$990/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,570/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,690
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,271
−HK$591/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,792
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$566/mo
Today · 4.125%
HK$21,916
baseline
▲ 0.50% · 4.625%
HK$23,071
+HK$1,155/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,832/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,030
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$760/mo
Today · 4.125%
HK$25,537
baseline
▲ 0.50% · 4.625%
HK$27,091
+HK$1,554/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$51,074/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,733
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,450
−HK$727/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,663
+HK$1,486/mo
Deposit HK$585K · loan HK$5.27M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,729 · 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).