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$13,326
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$421/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$15,024
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,825
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$403/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,991
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$505/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$18,028
+HK$1,034/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$33,988/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,790
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,267
−HK$484/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$989/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,657
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,237
−HK$590/mo
Today · 4.125%
HK$19,827
baseline
▲ 0.50% · 4.625%
HK$21,033
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,654/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,755
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,312
−HK$565/mo
Today · 4.125%
HK$21,877
baseline
▲ 0.50% · 4.625%
HK$23,030
+HK$1,153/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,754/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,987
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,733
−HK$758/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,551/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,401
−HK$726/mo
Today · 4.125%
HK$28,127
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,483/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,254/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$131,494 · 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).