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$13,326
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,740
−HK$421/mo
Today · 4.125%
HK$14,161
baseline
▲ 0.50% · 4.625%
HK$15,023
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,322/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,825
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,222
−HK$404/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,449
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,991
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,488
−HK$506/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$18,028
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,988/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,790
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,267
−HK$484/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,739
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,656
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,236
−HK$590/mo
Today · 4.125%
HK$19,826
baseline
▲ 0.50% · 4.625%
HK$21,032
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,652/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,754
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$565/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,029
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,752/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,986
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$758/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$27,041
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,684
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,400
−HK$726/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,609
+HK$1,483/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,252/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,489 · 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).