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$13,327
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,742
−HK$421/mo
Today · 4.125%
HK$14,163
baseline
▲ 0.50% · 4.625%
HK$15,025
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,326/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,224
−HK$404/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,451
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,256/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,993
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,490
−HK$506/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$18,030
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,992/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,792
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,269
−HK$484/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,742
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,239
−HK$589/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$21,035
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,757
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,314
−HK$565/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,989
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$758/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$27,045
+HK$1,552/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,688
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,403
−HK$727/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,612
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,505 · 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).