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$13,335
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,750
−HK$421/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$15,034
+HK$863/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,342/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,835
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,233
−HK$404/mo
Today · 4.125%
HK$15,637
baseline
▲ 0.50% · 4.625%
HK$16,461
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,274/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,002
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,500
−HK$506/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$18,040
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,802
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,280
−HK$484/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,753
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,528/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,669
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,250
−HK$590/mo
Today · 4.125%
HK$19,840
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,207/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,680/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,769
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$565/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,045
+HK$1,154/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,782/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$131,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,003
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,750
−HK$758/mo
Today · 4.125%
HK$25,508
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,552/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,016/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,703
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,419
−HK$727/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,630
+HK$1,484/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,292/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,582 · 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).