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$13,289
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,702
−HK$420/mo
Today · 4.125%
HK$14,122
baseline
▲ 0.50% · 4.625%
HK$14,981
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,244/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,784
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,180
−HK$402/mo
Today · 4.125%
HK$15,582
baseline
▲ 0.50% · 4.625%
HK$16,404
+HK$822/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,164/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,947
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,443
−HK$504/mo
Today · 4.125%
HK$16,947
baseline
▲ 0.50% · 4.625%
HK$17,978
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,894/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,216
−HK$483/mo
Today · 4.125%
HK$18,699
baseline
▲ 0.50% · 4.625%
HK$19,685
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,398/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,604
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$588/mo
Today · 4.125%
HK$19,771
baseline
▲ 0.50% · 4.625%
HK$20,974
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,542/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,697
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$563/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$22,965
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,920
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$756/mo
Today · 4.125%
HK$25,420
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,547/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$50,840/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,611
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,324
−HK$724/mo
Today · 4.125%
HK$28,048
baseline
▲ 0.50% · 4.625%
HK$29,527
+HK$1,479/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$56,096/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,125 · 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).