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$13,335
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,749
−HK$422/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$15,033
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,342/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,835
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$404/mo
Today · 4.125%
HK$15,636
baseline
▲ 0.50% · 4.625%
HK$16,460
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,272/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,001
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,499
−HK$506/mo
Today · 4.125%
HK$17,005
baseline
▲ 0.50% · 4.625%
HK$18,040
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,010/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,801
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,279
−HK$484/mo
Today · 4.125%
HK$18,763
baseline
▲ 0.50% · 4.625%
HK$19,752
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,526/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,249
−HK$590/mo
Today · 4.125%
HK$19,839
baseline
▲ 0.50% · 4.625%
HK$21,046
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,678/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,768
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$565/mo
Today · 4.125%
HK$21,890
baseline
▲ 0.50% · 4.625%
HK$23,044
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,780/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,002
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$758/mo
Today · 4.125%
HK$25,507
baseline
▲ 0.50% · 4.625%
HK$27,059
+HK$1,552/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,014/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,702
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$727/mo
Today · 4.125%
HK$28,145
baseline
▲ 0.50% · 4.625%
HK$29,628
+HK$1,483/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,290/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,576 · 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).