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$13,336
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$422/mo
Today · 4.125%
HK$14,173
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,346/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,837
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,235
−HK$403/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,463
+HK$825/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,276/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,004
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$505/mo
Today · 4.125%
HK$17,007
baseline
▲ 0.50% · 4.625%
HK$18,042
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,014/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,804
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,281
−HK$485/mo
Today · 4.125%
HK$18,766
baseline
▲ 0.50% · 4.625%
HK$19,755
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,532/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,671
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,252
−HK$590/mo
Today · 4.125%
HK$19,842
baseline
▲ 0.50% · 4.625%
HK$21,049
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,684/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,771
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,328
−HK$566/mo
Today · 4.125%
HK$21,894
baseline
▲ 0.50% · 4.625%
HK$23,048
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,788/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,006
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,752
−HK$759/mo
Today · 4.125%
HK$25,511
baseline
▲ 0.50% · 4.625%
HK$27,063
+HK$1,552/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,022/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,706
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,422
−HK$727/mo
Today · 4.125%
HK$28,149
baseline
▲ 0.50% · 4.625%
HK$29,633
+HK$1,484/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,298/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,595 · 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).