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$13,286
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,700
−HK$420/mo
Today · 4.125%
HK$14,120
baseline
▲ 0.50% · 4.625%
HK$14,979
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,240/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,781
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,177
−HK$403/mo
Today · 4.125%
HK$15,580
baseline
▲ 0.50% · 4.625%
HK$16,401
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,160/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$131,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,944
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,440
−HK$503/mo
Today · 4.125%
HK$16,943
baseline
▲ 0.50% · 4.625%
HK$17,974
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,886/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,213
−HK$482/mo
Today · 4.125%
HK$18,695
baseline
▲ 0.50% · 4.625%
HK$19,681
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,390/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,601
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$588/mo
Today · 4.125%
HK$19,767
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,534/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,693
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$563/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,915
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$756/mo
Today · 4.125%
HK$25,415
baseline
▲ 0.50% · 4.625%
HK$26,962
+HK$1,547/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$50,830/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,606
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,319
−HK$724/mo
Today · 4.125%
HK$28,043
baseline
▲ 0.50% · 4.625%
HK$29,521
+HK$1,478/mo
Deposit HK$583K · loan HK$5.24M · min. income ≈ HK$56,086/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,101 · 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).