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$13,384
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,800
−HK$423/mo
Today · 4.125%
HK$14,223
baseline
▲ 0.50% · 4.625%
HK$15,088
+HK$865/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,446/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,889
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,289
−HK$405/mo
Today · 4.125%
HK$15,694
baseline
▲ 0.50% · 4.625%
HK$16,521
+HK$827/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,388/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$132,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,060
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$508/mo
Today · 4.125%
HK$17,068
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$1,038/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$34,136/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,867
−HK$965/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$486/mo
Today · 4.125%
HK$18,832
baseline
▲ 0.50% · 4.625%
HK$19,825
+HK$993/mo
Deposit HK$2.35M · loan HK$3.52M · min. income ≈ HK$37,664/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$132,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,737
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,320
−HK$592/mo
Today · 4.125%
HK$19,912
baseline
▲ 0.50% · 4.625%
HK$21,124
+HK$1,212/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$39,824/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,845
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,404
−HK$567/mo
Today · 4.125%
HK$21,971
baseline
▲ 0.50% · 4.625%
HK$23,129
+HK$1,158/mo
Deposit HK$1.76M · loan HK$4.11M · min. income ≈ HK$43,942/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$132,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$761/mo
Today · 4.125%
HK$25,601
baseline
▲ 0.50% · 4.625%
HK$27,159
+HK$1,558/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$51,202/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,801
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,519
−HK$730/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,489/mo
Deposit HK$587K · loan HK$5.28M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$132,062 · 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).