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$13,337
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,752
−HK$421/mo
Today · 4.125%
HK$14,173
baseline
▲ 0.50% · 4.625%
HK$15,036
+HK$863/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,346/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,837
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,235
−HK$404/mo
Today · 4.125%
HK$15,639
baseline
▲ 0.50% · 4.625%
HK$16,463
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,278/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,004
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$506/mo
Today · 4.125%
HK$17,008
baseline
▲ 0.50% · 4.625%
HK$18,043
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,016/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,805
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,282
−HK$485/mo
Today · 4.125%
HK$18,767
baseline
▲ 0.50% · 4.625%
HK$19,756
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,534/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,672
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$590/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$21,050
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,686/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,772
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,329
−HK$566/mo
Today · 4.125%
HK$21,895
baseline
▲ 0.50% · 4.625%
HK$23,049
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,790/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,007
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,753
−HK$759/mo
Today · 4.125%
HK$25,512
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,553/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,024/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,707
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,424
−HK$726/mo
Today · 4.125%
HK$28,150
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,484/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,300/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,601 · 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).