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$13,317
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,732
−HK$420/mo
Today · 4.125%
HK$14,152
baseline
▲ 0.50% · 4.625%
HK$15,014
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,304/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,815
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$403/mo
Today · 4.125%
HK$15,616
baseline
▲ 0.50% · 4.625%
HK$16,439
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,232/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,981
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,478
−HK$505/mo
Today · 4.125%
HK$16,983
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,966/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,255
−HK$484/mo
Today · 4.125%
HK$18,739
baseline
▲ 0.50% · 4.625%
HK$19,727
+HK$988/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,478/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,644
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,224
−HK$589/mo
Today · 4.125%
HK$19,813
baseline
▲ 0.50% · 4.625%
HK$21,019
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,626/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,742
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,298
−HK$564/mo
Today · 4.125%
HK$21,862
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,724/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,971
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,717
−HK$757/mo
Today · 4.125%
HK$25,474
baseline
▲ 0.50% · 4.625%
HK$27,024
+HK$1,550/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,948/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,668
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,383
−HK$725/mo
Today · 4.125%
HK$28,108
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,216/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,407 · 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).