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$13,328
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,742
−HK$421/mo
Today · 4.125%
HK$14,163
baseline
▲ 0.50% · 4.625%
HK$15,025
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,326/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,827
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,225
−HK$403/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,452
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,256/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,993
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,491
−HK$505/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$18,030
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,992/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,792
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$484/mo
Today · 4.125%
HK$18,754
baseline
▲ 0.50% · 4.625%
HK$19,742
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,508/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,659
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,239
−HK$590/mo
Today · 4.125%
HK$19,829
baseline
▲ 0.50% · 4.625%
HK$21,035
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,658/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,758
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,314
−HK$565/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,990
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,736
−HK$758/mo
Today · 4.125%
HK$25,494
baseline
▲ 0.50% · 4.625%
HK$27,046
+HK$1,552/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,988/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,689
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,404
−HK$726/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,613
+HK$1,483/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,509 · 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).