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$13,324
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$421/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$15,022
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,823
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$403/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,448
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,248/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,989
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,487
−HK$505/mo
Today · 4.125%
HK$16,992
baseline
▲ 0.50% · 4.625%
HK$18,026
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,984/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,788
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$484/mo
Today · 4.125%
HK$18,749
baseline
▲ 0.50% · 4.625%
HK$19,737
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,498/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,654
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,235
−HK$589/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,753
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$565/mo
Today · 4.125%
HK$21,874
baseline
▲ 0.50% · 4.625%
HK$23,027
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,748/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,984
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,730
−HK$758/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$27,039
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,682
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,398
−HK$726/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,606
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,477 · 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).