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$13,286
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,699
−HK$420/mo
Today · 4.125%
HK$14,119
baseline
▲ 0.50% · 4.625%
HK$14,978
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,238/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,780
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$403/mo
Today · 4.125%
HK$15,579
baseline
▲ 0.50% · 4.625%
HK$16,400
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,158/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,943
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,439
−HK$503/mo
Today · 4.125%
HK$16,942
baseline
▲ 0.50% · 4.625%
HK$17,973
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,884/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,736
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,212
−HK$482/mo
Today · 4.125%
HK$18,694
baseline
▲ 0.50% · 4.625%
HK$19,680
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,388/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,600
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,178
−HK$588/mo
Today · 4.125%
HK$19,766
baseline
▲ 0.50% · 4.625%
HK$20,969
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,532/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,692
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,247
−HK$563/mo
Today · 4.125%
HK$21,810
baseline
▲ 0.50% · 4.625%
HK$22,960
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,620/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,914
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,658
−HK$756/mo
Today · 4.125%
HK$25,414
baseline
▲ 0.50% · 4.625%
HK$26,960
+HK$1,546/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$50,828/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,604
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,318
−HK$724/mo
Today · 4.125%
HK$28,042
baseline
▲ 0.50% · 4.625%
HK$29,520
+HK$1,478/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$56,084/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,094 · 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).