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$13,283
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,696
−HK$419/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,974
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,230/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,777
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,173
−HK$402/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,396
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,150/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,939
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,435
−HK$504/mo
Today · 4.125%
HK$16,939
baseline
▲ 0.50% · 4.625%
HK$17,969
+HK$1,030/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,878/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,732
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,208
−HK$482/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,675
+HK$985/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,596
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,174
−HK$588/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,964
+HK$1,202/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,687
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$563/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$22,954
+HK$1,149/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,652
−HK$756/mo
Today · 4.125%
HK$25,408
baseline
▲ 0.50% · 4.625%
HK$26,954
+HK$1,546/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$50,816/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$724/mo
Today · 4.125%
HK$28,035
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,478/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$56,070/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,063 · 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).