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$13,429
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$424/mo
Today · 4.125%
HK$14,271
baseline
▲ 0.50% · 4.625%
HK$15,139
+HK$868/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$28,542/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,940
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,340
−HK$407/mo
Today · 4.125%
HK$15,747
baseline
▲ 0.50% · 4.625%
HK$16,577
+HK$830/mo
Deposit HK$2.94M · loan HK$2.94M · min. income ≈ HK$31,494/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,115
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,616
−HK$509/mo
Today · 4.125%
HK$17,125
baseline
▲ 0.50% · 4.625%
HK$18,167
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,250/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,927
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,408
−HK$488/mo
Today · 4.125%
HK$18,896
baseline
▲ 0.50% · 4.625%
HK$19,892
+HK$996/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,792/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,800
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,385
−HK$594/mo
Today · 4.125%
HK$19,979
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,958/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,915
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$569/mo
Today · 4.125%
HK$22,045
baseline
▲ 0.50% · 4.625%
HK$23,207
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,090/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,172
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$764/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,563/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,891
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,612
−HK$732/mo
Today · 4.125%
HK$28,344
baseline
▲ 0.50% · 4.625%
HK$29,838
+HK$1,494/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,688/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$132,508 · 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).