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$13,333
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,748
−HK$421/mo
Today · 4.125%
HK$14,169
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,338/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,833
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,230
−HK$404/mo
Today · 4.125%
HK$15,634
baseline
▲ 0.50% · 4.625%
HK$16,458
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,268/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,999
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,497
−HK$506/mo
Today · 4.125%
HK$17,003
baseline
▲ 0.50% · 4.625%
HK$18,037
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,006/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,799
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,276
−HK$485/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,750
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,666
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,247
−HK$589/mo
Today · 4.125%
HK$19,836
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,672/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,766
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$565/mo
Today · 4.125%
HK$21,888
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,776/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,999
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,746
−HK$758/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$27,056
+HK$1,552/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,699
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,415
−HK$726/mo
Today · 4.125%
HK$28,141
baseline
▲ 0.50% · 4.625%
HK$29,625
+HK$1,484/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,282/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,559 · 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).