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$13,288
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,701
−HK$420/mo
Today · 4.125%
HK$14,121
baseline
▲ 0.50% · 4.625%
HK$14,980
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,242/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,782
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,179
−HK$402/mo
Today · 4.125%
HK$15,581
baseline
▲ 0.50% · 4.625%
HK$16,402
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,162/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,945
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,441
−HK$504/mo
Today · 4.125%
HK$16,945
baseline
▲ 0.50% · 4.625%
HK$17,976
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,890/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,739
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,214
−HK$483/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,683
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,181
−HK$588/mo
Today · 4.125%
HK$19,769
baseline
▲ 0.50% · 4.625%
HK$20,972
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,538/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,695
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$563/mo
Today · 4.125%
HK$21,813
baseline
▲ 0.50% · 4.625%
HK$22,963
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,626/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,918
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,662
−HK$755/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,964
+HK$1,547/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,608
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$724/mo
Today · 4.125%
HK$28,046
baseline
▲ 0.50% · 4.625%
HK$29,524
+HK$1,478/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$56,092/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,113 · 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).