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$13,322
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,737
−HK$421/mo
Today · 4.125%
HK$14,158
baseline
▲ 0.50% · 4.625%
HK$15,019
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,316/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,821
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,218
−HK$404/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,445
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,987
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,484
−HK$505/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$18,023
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,785
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,262
−HK$484/mo
Today · 4.125%
HK$18,746
baseline
▲ 0.50% · 4.625%
HK$19,734
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,492/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,231
−HK$590/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$21,027
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,749
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$564/mo
Today · 4.125%
HK$21,870
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,740/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,726
−HK$758/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,550/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,677
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$726/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,601
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,454 · 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).