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$13,338
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$422/mo
Today · 4.125%
HK$14,175
baseline
▲ 0.50% · 4.625%
HK$15,037
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,350/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,839
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$404/mo
Today · 4.125%
HK$15,641
baseline
▲ 0.50% · 4.625%
HK$16,465
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,282/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,006
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,504
−HK$506/mo
Today · 4.125%
HK$17,010
baseline
▲ 0.50% · 4.625%
HK$18,045
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,020/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,807
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,284
−HK$485/mo
Today · 4.125%
HK$18,769
baseline
▲ 0.50% · 4.625%
HK$19,758
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,538/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,674
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,255
−HK$590/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$21,052
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,775
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$565/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,051
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,009
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,756
−HK$759/mo
Today · 4.125%
HK$25,515
baseline
▲ 0.50% · 4.625%
HK$27,067
+HK$1,552/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,030/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,710
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$727/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,637
+HK$1,484/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,616 · 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).