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$13,321
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,736
−HK$420/mo
Today · 4.125%
HK$14,156
baseline
▲ 0.50% · 4.625%
HK$15,018
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,312/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,820
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,217
−HK$403/mo
Today · 4.125%
HK$15,620
baseline
▲ 0.50% · 4.625%
HK$16,444
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,240/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,985
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,483
−HK$505/mo
Today · 4.125%
HK$16,988
baseline
▲ 0.50% · 4.625%
HK$18,021
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,976/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,784
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,261
−HK$483/mo
Today · 4.125%
HK$18,744
baseline
▲ 0.50% · 4.625%
HK$19,732
+HK$988/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,488/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,650
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$589/mo
Today · 4.125%
HK$19,819
baseline
▲ 0.50% · 4.625%
HK$21,025
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,638/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,747
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,304
−HK$564/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,021
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,978
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,724
−HK$758/mo
Today · 4.125%
HK$25,482
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,550/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,964/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,675
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,391
−HK$726/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,444 · 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).