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$13,375
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,791
−HK$423/mo
Today · 4.125%
HK$14,214
baseline
▲ 0.50% · 4.625%
HK$15,079
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,428/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,880
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,279
−HK$405/mo
Today · 4.125%
HK$15,684
baseline
▲ 0.50% · 4.625%
HK$16,510
+HK$826/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,368/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,050
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,549
−HK$508/mo
Today · 4.125%
HK$17,057
baseline
▲ 0.50% · 4.625%
HK$18,094
+HK$1,037/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,114/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,856
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,334
−HK$486/mo
Today · 4.125%
HK$18,820
baseline
▲ 0.50% · 4.625%
HK$19,812
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,640/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,725
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,308
−HK$591/mo
Today · 4.125%
HK$19,899
baseline
▲ 0.50% · 4.625%
HK$21,110
+HK$1,211/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,798/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,832
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,390
−HK$567/mo
Today · 4.125%
HK$21,957
baseline
▲ 0.50% · 4.625%
HK$23,114
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,914/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$761/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$27,142
+HK$1,557/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$131,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,783
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$728/mo
Today · 4.125%
HK$28,230
baseline
▲ 0.50% · 4.625%
HK$29,718
+HK$1,488/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,460/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$131,977 · 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).