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$13,319
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,733
−HK$421/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,308/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,817
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,215
−HK$403/mo
Today · 4.125%
HK$15,618
baseline
▲ 0.50% · 4.625%
HK$16,441
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,236/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,983
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,480
−HK$505/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$18,018
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,970/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,781
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,257
−HK$484/mo
Today · 4.125%
HK$18,741
baseline
▲ 0.50% · 4.625%
HK$19,729
+HK$988/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,482/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,646
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,226
−HK$590/mo
Today · 4.125%
HK$19,816
baseline
▲ 0.50% · 4.625%
HK$21,021
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,632/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,744
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,300
−HK$565/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,017
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,974
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$757/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$27,028
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,671
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,386
−HK$726/mo
Today · 4.125%
HK$28,112
baseline
▲ 0.50% · 4.625%
HK$29,594
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,224/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,422 · 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).