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$13,433
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$425/mo
Today · 4.125%
HK$14,276
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$868/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,552/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,944
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,345
−HK$407/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,582
+HK$830/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,504/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$132,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,120
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,621
−HK$510/mo
Today · 4.125%
HK$17,131
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$1,042/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$34,262/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,933
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,414
−HK$488/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$19,899
+HK$997/mo
Deposit HK$2.36M · loan HK$3.53M · min. income ≈ HK$37,804/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$132,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,807
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,392
−HK$594/mo
Today · 4.125%
HK$19,986
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,216/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$39,972/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,922
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,483
−HK$570/mo
Today · 4.125%
HK$22,053
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,162/mo
Deposit HK$1.77M · loan HK$4.12M · min. income ≈ HK$44,106/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$132,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,180
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$764/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,564/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,900
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$732/mo
Today · 4.125%
HK$28,353
baseline
▲ 0.50% · 4.625%
HK$29,848
+HK$1,495/mo
Deposit HK$589K · loan HK$5.30M · min. income ≈ HK$56,706/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$132,551 · 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).