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$13,277
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$420/mo
Today · 4.125%
HK$14,110
baseline
▲ 0.50% · 4.625%
HK$14,968
+HK$858/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,220/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,771
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,167
−HK$402/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,389
+HK$820/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,932
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,428
−HK$504/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,962
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$33,864/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,725
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,200
−HK$482/mo
Today · 4.125%
HK$18,682
baseline
▲ 0.50% · 4.625%
HK$19,667
+HK$985/mo
Deposit HK$2.33M · loan HK$3.49M · min. income ≈ HK$37,364/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,166
−HK$588/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,955
+HK$1,201/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$563/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$22,945
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$755/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,546/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,587
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$724/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,477/mo
Deposit HK$582K · loan HK$5.24M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$131,009 · 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).