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$13,282
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,695
−HK$420/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,974
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,230/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,776
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,172
−HK$402/mo
Today · 4.125%
HK$15,574
baseline
▲ 0.50% · 4.625%
HK$16,395
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,148/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,938
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,434
−HK$504/mo
Today · 4.125%
HK$16,938
baseline
▲ 0.50% · 4.625%
HK$17,968
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,876/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,731
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,207
−HK$482/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,674
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,378/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,595
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,173
−HK$588/mo
Today · 4.125%
HK$19,761
baseline
▲ 0.50% · 4.625%
HK$20,963
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,522/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,687
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,241
−HK$563/mo
Today · 4.125%
HK$21,804
baseline
▲ 0.50% · 4.625%
HK$22,953
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,608/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$756/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,953
+HK$1,546/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,597
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$724/mo
Today · 4.125%
HK$28,034
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,478/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,068/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,058 · 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).