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$13,331
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,746
−HK$421/mo
Today · 4.125%
HK$14,167
baseline
▲ 0.50% · 4.625%
HK$15,029
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,334/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,831
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,229
−HK$403/mo
Today · 4.125%
HK$15,632
baseline
▲ 0.50% · 4.625%
HK$16,456
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,264/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,998
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,495
−HK$506/mo
Today · 4.125%
HK$17,001
baseline
▲ 0.50% · 4.625%
HK$18,035
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,002/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,797
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$485/mo
Today · 4.125%
HK$18,759
baseline
▲ 0.50% · 4.625%
HK$19,747
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,518/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,664
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$590/mo
Today · 4.125%
HK$19,834
baseline
▲ 0.50% · 4.625%
HK$21,041
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,668/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,763
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$565/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,039
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,996
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$758/mo
Today · 4.125%
HK$25,501
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,552/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,002/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,696
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$726/mo
Today · 4.125%
HK$28,138
baseline
▲ 0.50% · 4.625%
HK$29,621
+HK$1,483/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,276/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,544 · 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).