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$13,437
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$425/mo
Today · 4.125%
HK$14,280
baseline
▲ 0.50% · 4.625%
HK$15,149
+HK$869/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,560/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,949
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,350
−HK$406/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,587
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,125
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$510/mo
Today · 4.125%
HK$17,136
baseline
▲ 0.50% · 4.625%
HK$18,178
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,272/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,938
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$488/mo
Today · 4.125%
HK$18,908
baseline
▲ 0.50% · 4.625%
HK$19,904
+HK$996/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,816/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,812
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$595/mo
Today · 4.125%
HK$19,992
baseline
▲ 0.50% · 4.625%
HK$21,208
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,984/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$570/mo
Today · 4.125%
HK$22,059
baseline
▲ 0.50% · 4.625%
HK$23,222
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,118/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,187
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$765/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,564/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,908
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$732/mo
Today · 4.125%
HK$28,361
baseline
▲ 0.50% · 4.625%
HK$29,856
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,722/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,589 · 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).