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$13,441
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$424/mo
Today · 4.125%
HK$14,283
baseline
▲ 0.50% · 4.625%
HK$15,153
+HK$870/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,566/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,953
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,354
−HK$406/mo
Today · 4.125%
HK$15,760
baseline
▲ 0.50% · 4.625%
HK$16,591
+HK$831/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,520/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,129
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$510/mo
Today · 4.125%
HK$17,140
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$1,043/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$34,280/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,943
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$489/mo
Today · 4.125%
HK$18,913
baseline
▲ 0.50% · 4.625%
HK$19,909
+HK$996/mo
Deposit HK$2.36M · loan HK$3.54M · min. income ≈ HK$37,826/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,817
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,402
−HK$595/mo
Today · 4.125%
HK$19,997
baseline
▲ 0.50% · 4.625%
HK$21,214
+HK$1,217/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$39,994/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,934
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,495
−HK$570/mo
Today · 4.125%
HK$22,065
baseline
▲ 0.50% · 4.625%
HK$23,228
+HK$1,163/mo
Deposit HK$1.77M · loan HK$4.13M · min. income ≈ HK$44,130/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,193
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,946
−HK$764/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,275
+HK$1,565/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,915
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$733/mo
Today · 4.125%
HK$28,369
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,738/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,623 · 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).