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$13,455
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,874
−HK$425/mo
Today · 4.125%
HK$14,299
baseline
▲ 0.50% · 4.625%
HK$15,169
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,598/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,969
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,370
−HK$407/mo
Today · 4.125%
HK$15,777
baseline
▲ 0.50% · 4.625%
HK$16,609
+HK$832/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,554/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,146
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,648
−HK$511/mo
Today · 4.125%
HK$17,159
baseline
▲ 0.50% · 4.625%
HK$18,203
+HK$1,044/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,318/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,962
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$489/mo
Today · 4.125%
HK$18,933
baseline
▲ 0.50% · 4.625%
HK$19,931
+HK$998/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,866/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,837
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,423
−HK$595/mo
Today · 4.125%
HK$20,018
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,218/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$40,036/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,956
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,518
−HK$570/mo
Today · 4.125%
HK$22,088
baseline
▲ 0.50% · 4.625%
HK$23,253
+HK$1,165/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,176/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,219
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$765/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,304
+HK$1,566/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,944
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,666
−HK$733/mo
Today · 4.125%
HK$28,399
baseline
▲ 0.50% · 4.625%
HK$29,896
+HK$1,497/mo
Deposit HK$590K · loan HK$5.31M · min. income ≈ HK$56,798/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$132,766 · 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).