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$13,363
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$422/mo
Today · 4.125%
HK$14,201
baseline
▲ 0.50% · 4.625%
HK$15,065
+HK$864/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$28,402/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,866
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,265
−HK$405/mo
Today · 4.125%
HK$15,670
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$825/mo
Deposit HK$2.93M · loan HK$2.93M · min. income ≈ HK$31,340/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,036
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$506/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$18,078
+HK$1,037/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,840
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$485/mo
Today · 4.125%
HK$18,803
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$992/mo
Deposit HK$2.34M · loan HK$3.52M · min. income ≈ HK$37,606/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$131,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,290
−HK$592/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$21,091
+HK$1,209/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,813
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,371
−HK$566/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,094
+HK$1,157/mo
Deposit HK$1.76M · loan HK$4.10M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,054
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$760/mo
Today · 4.125%
HK$25,562
baseline
▲ 0.50% · 4.625%
HK$27,117
+HK$1,555/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$51,124/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,759
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,477
−HK$728/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,692
+HK$1,487/mo
Deposit HK$586K · loan HK$5.27M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$131,859 · 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).