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$13,320
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,734
−HK$421/mo
Today · 4.125%
HK$14,155
baseline
▲ 0.50% · 4.625%
HK$15,016
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,310/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,818
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,216
−HK$403/mo
Today · 4.125%
HK$15,619
baseline
▲ 0.50% · 4.625%
HK$16,442
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,238/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,984
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,481
−HK$505/mo
Today · 4.125%
HK$16,986
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,972/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,782
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$483/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$988/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,484/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,648
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$589/mo
Today · 4.125%
HK$19,817
baseline
▲ 0.50% · 4.625%
HK$21,023
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,634/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,745
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,302
−HK$564/mo
Today · 4.125%
HK$21,866
baseline
▲ 0.50% · 4.625%
HK$23,019
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,732/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,976
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,721
−HK$758/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$27,029
+HK$1,550/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$726/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,596
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,431 · 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).