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$836/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$421/mo
Today · 4.125%
HK$14,164
baseline
▲ 0.50% · 4.625%
HK$15,026
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,328/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,828
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,225
−HK$404/mo
Today · 4.125%
HK$15,629
baseline
▲ 0.50% · 4.625%
HK$16,453
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,258/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,994
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$505/mo
Today · 4.125%
HK$16,997
baseline
▲ 0.50% · 4.625%
HK$18,031
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,994/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,793
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$485/mo
Today · 4.125%
HK$18,755
baseline
▲ 0.50% · 4.625%
HK$19,743
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,510/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,660
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$590/mo
Today · 4.125%
HK$19,830
baseline
▲ 0.50% · 4.625%
HK$21,037
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,660/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,759
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,316
−HK$564/mo
Today · 4.125%
HK$21,880
baseline
▲ 0.50% · 4.625%
HK$23,034
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,760/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,991
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,737
−HK$759/mo
Today · 4.125%
HK$25,496
baseline
▲ 0.50% · 4.625%
HK$27,047
+HK$1,551/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$50,992/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,690
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,406
−HK$726/mo
Today · 4.125%
HK$28,132
baseline
▲ 0.50% · 4.625%
HK$29,615
+HK$1,483/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,264/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,516 · 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).