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$13,323
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,737
−HK$422/mo
Today · 4.125%
HK$14,159
baseline
▲ 0.50% · 4.625%
HK$15,020
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,318/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,822
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,219
−HK$404/mo
Today · 4.125%
HK$15,623
baseline
▲ 0.50% · 4.625%
HK$16,446
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,246/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,988
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,485
−HK$505/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$18,024
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,980/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,786
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,263
−HK$484/mo
Today · 4.125%
HK$18,747
baseline
▲ 0.50% · 4.625%
HK$19,735
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,494/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,652
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$590/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,750
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,307
−HK$565/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,024
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,982
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,727
−HK$758/mo
Today · 4.125%
HK$25,485
baseline
▲ 0.50% · 4.625%
HK$27,036
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,970/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,679
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,395
−HK$726/mo
Today · 4.125%
HK$28,121
baseline
▲ 0.50% · 4.625%
HK$29,603
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,242/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,463 · 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).