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$13,436
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,854
−HK$425/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$868/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,948
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$407/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,586
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,123
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,625
−HK$509/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,177
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,268/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,937
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,418
−HK$488/mo
Today · 4.125%
HK$18,906
baseline
▲ 0.50% · 4.625%
HK$19,903
+HK$997/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,812/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,811
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,396
−HK$594/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,927
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,488
−HK$569/mo
Today · 4.125%
HK$22,057
baseline
▲ 0.50% · 4.625%
HK$23,220
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,114/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,185
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,937
−HK$765/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,265
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,627
−HK$732/mo
Today · 4.125%
HK$28,359
baseline
▲ 0.50% · 4.625%
HK$29,854
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,718/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,579 · 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).