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$13,387
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$423/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,893
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,292
−HK$405/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,394/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,064
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,564
−HK$507/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$18,110
+HK$1,039/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,871
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,350
−HK$487/mo
Today · 4.125%
HK$18,837
baseline
▲ 0.50% · 4.625%
HK$19,829
+HK$992/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,674/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,741
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,324
−HK$593/mo
Today · 4.125%
HK$19,917
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,834/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,850
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,409
−HK$567/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,134
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$761/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$27,165
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,526
−HK$729/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,091 · 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).