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$13,314
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,728
−HK$421/mo
Today · 4.125%
HK$14,149
baseline
▲ 0.50% · 4.625%
HK$15,010
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,298/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,812
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,209
−HK$403/mo
Today · 4.125%
HK$15,612
baseline
▲ 0.50% · 4.625%
HK$16,435
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,224/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,977
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$505/mo
Today · 4.125%
HK$16,979
baseline
▲ 0.50% · 4.625%
HK$18,012
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,958/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,774
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,251
−HK$484/mo
Today · 4.125%
HK$18,735
baseline
▲ 0.50% · 4.625%
HK$19,722
+HK$987/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,470/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,640
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,220
−HK$589/mo
Today · 4.125%
HK$19,809
baseline
▲ 0.50% · 4.625%
HK$21,014
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,618/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,737
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$564/mo
Today · 4.125%
HK$21,857
baseline
▲ 0.50% · 4.625%
HK$23,009
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,714/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,966
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$758/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$27,018
+HK$1,549/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,662
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,377
−HK$725/mo
Today · 4.125%
HK$28,102
baseline
▲ 0.50% · 4.625%
HK$29,583
+HK$1,481/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,204/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,377 · 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).