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$13,399
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,816
−HK$423/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$867/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,478/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,906
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$406/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$828/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,424/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,079
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,579
−HK$508/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$18,127
+HK$1,040/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$34,174/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,888
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$487/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$19,848
+HK$994/mo
Deposit HK$2.35M · loan HK$3.53M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,759
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,342
−HK$593/mo
Today · 4.125%
HK$19,935
baseline
▲ 0.50% · 4.625%
HK$21,148
+HK$1,213/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,870/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,869
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$567/mo
Today · 4.125%
HK$21,996
baseline
▲ 0.50% · 4.625%
HK$23,156
+HK$1,160/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,992/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,118
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,869
−HK$762/mo
Today · 4.125%
HK$25,631
baseline
▲ 0.50% · 4.625%
HK$27,190
+HK$1,559/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$51,262/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,831
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,551
−HK$730/mo
Today · 4.125%
HK$28,281
baseline
▲ 0.50% · 4.625%
HK$29,772
+HK$1,491/mo
Deposit HK$588K · loan HK$5.29M · min. income ≈ HK$56,562/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,214 · 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).