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$13,325
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$421/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$15,022
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,824
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$404/mo
Today · 4.125%
HK$15,625
baseline
▲ 0.50% · 4.625%
HK$16,448
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,250/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,990
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,487
−HK$506/mo
Today · 4.125%
HK$16,993
baseline
▲ 0.50% · 4.625%
HK$18,027
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,986/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,789
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,266
−HK$484/mo
Today · 4.125%
HK$18,750
baseline
▲ 0.50% · 4.625%
HK$19,738
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,500/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,235
−HK$590/mo
Today · 4.125%
HK$19,825
baseline
▲ 0.50% · 4.625%
HK$21,031
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,650/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,753
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,310
−HK$565/mo
Today · 4.125%
HK$21,875
baseline
▲ 0.50% · 4.625%
HK$23,028
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,750/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,985
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,731
−HK$758/mo
Today · 4.125%
HK$25,489
baseline
▲ 0.50% · 4.625%
HK$27,040
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,978/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,683
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,398
−HK$726/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,607
+HK$1,483/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,481 · 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).