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$13,284
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,698
−HK$419/mo
Today · 4.125%
HK$14,117
baseline
▲ 0.50% · 4.625%
HK$14,976
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,234/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,779
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,175
−HK$402/mo
Today · 4.125%
HK$15,577
baseline
▲ 0.50% · 4.625%
HK$16,398
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,154/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,941
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$504/mo
Today · 4.125%
HK$16,941
baseline
▲ 0.50% · 4.625%
HK$17,972
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,882/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,734
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,210
−HK$483/mo
Today · 4.125%
HK$18,693
baseline
▲ 0.50% · 4.625%
HK$19,678
+HK$985/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,386/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,598
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,177
−HK$587/mo
Today · 4.125%
HK$19,764
baseline
▲ 0.50% · 4.625%
HK$20,967
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,528/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,690
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,245
−HK$563/mo
Today · 4.125%
HK$21,808
baseline
▲ 0.50% · 4.625%
HK$22,958
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,616/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,912
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,656
−HK$755/mo
Today · 4.125%
HK$25,411
baseline
▲ 0.50% · 4.625%
HK$26,958
+HK$1,547/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$50,822/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,602
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,315
−HK$724/mo
Today · 4.125%
HK$28,039
baseline
▲ 0.50% · 4.625%
HK$29,517
+HK$1,478/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$56,078/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,081 · 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).