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$13,324
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$421/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,320/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,823
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$404/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,447
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,248/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,989
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,486
−HK$506/mo
Today · 4.125%
HK$16,992
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,984/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,787
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$483/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,737
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,496/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,654
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,234
−HK$589/mo
Today · 4.125%
HK$19,823
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,646/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,752
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$564/mo
Today · 4.125%
HK$21,873
baseline
▲ 0.50% · 4.625%
HK$23,026
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,746/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,983
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,729
−HK$758/mo
Today · 4.125%
HK$25,487
baseline
▲ 0.50% · 4.625%
HK$27,038
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,974/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,681
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$726/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,605
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,473 · 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).