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$13,318
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,732
−HK$421/mo
Today · 4.125%
HK$14,153
baseline
▲ 0.50% · 4.625%
HK$15,014
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,306/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,816
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$403/mo
Today · 4.125%
HK$15,616
baseline
▲ 0.50% · 4.625%
HK$16,440
+HK$824/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$131,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,981
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,479
−HK$505/mo
Today · 4.125%
HK$16,984
baseline
▲ 0.50% · 4.625%
HK$18,017
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,968/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,779
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$484/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,728
+HK$988/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,645
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,225
−HK$589/mo
Today · 4.125%
HK$19,814
baseline
▲ 0.50% · 4.625%
HK$21,020
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,628/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,742
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,299
−HK$564/mo
Today · 4.125%
HK$21,863
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,726/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,972
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,718
−HK$757/mo
Today · 4.125%
HK$25,475
baseline
▲ 0.50% · 4.625%
HK$27,026
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,950/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,669
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,384
−HK$726/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,591
+HK$1,481/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,412 · 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).