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$13,327
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$421/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$15,024
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$404/mo
Today · 4.125%
HK$15,627
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,254/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,992
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$506/mo
Today · 4.125%
HK$16,995
baseline
▲ 0.50% · 4.625%
HK$18,029
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,990/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,791
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,268
−HK$484/mo
Today · 4.125%
HK$18,752
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,504/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,657
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,238
−HK$589/mo
Today · 4.125%
HK$19,827
baseline
▲ 0.50% · 4.625%
HK$21,034
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,654/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,756
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,313
−HK$564/mo
Today · 4.125%
HK$21,877
baseline
▲ 0.50% · 4.625%
HK$23,031
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,754/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,988
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,734
−HK$758/mo
Today · 4.125%
HK$25,492
baseline
▲ 0.50% · 4.625%
HK$27,043
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,984/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,686
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$726/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,611
+HK$1,483/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,498 · 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).