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$13,405
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$424/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$866/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,492/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,913
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,313
−HK$406/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,438/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,086
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,586
−HK$509/mo
Today · 4.125%
HK$17,095
baseline
▲ 0.50% · 4.625%
HK$18,135
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,190/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,896
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$487/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$19,857
+HK$995/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,724/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,767
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,351
−HK$593/mo
Today · 4.125%
HK$19,944
baseline
▲ 0.50% · 4.625%
HK$21,157
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$39,888/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,878
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,438
−HK$568/mo
Today · 4.125%
HK$22,006
baseline
▲ 0.50% · 4.625%
HK$23,166
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.12M · min. income ≈ HK$44,012/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,129
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$762/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,560/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,843
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,563
−HK$731/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$29,785
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,272 · 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).