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$13,338
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,752
−HK$422/mo
Today · 4.125%
HK$14,174
baseline
▲ 0.50% · 4.625%
HK$15,036
+HK$862/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,348/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,838
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,236
−HK$404/mo
Today · 4.125%
HK$15,640
baseline
▲ 0.50% · 4.625%
HK$16,464
+HK$824/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,280/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$131,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,005
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,503
−HK$506/mo
Today · 4.125%
HK$17,009
baseline
▲ 0.50% · 4.625%
HK$18,044
+HK$1,035/mo
Deposit HK$2.34M · loan HK$3.51M · min. income ≈ HK$34,018/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,805
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,283
−HK$484/mo
Today · 4.125%
HK$18,767
baseline
▲ 0.50% · 4.625%
HK$19,757
+HK$990/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$131,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,673
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$590/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$21,051
+HK$1,208/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$131,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,773
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$565/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$131,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,008
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,754
−HK$759/mo
Today · 4.125%
HK$25,513
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,552/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$51,026/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,708
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,424
−HK$727/mo
Today · 4.125%
HK$28,151
baseline
▲ 0.50% · 4.625%
HK$29,635
+HK$1,484/mo
Deposit HK$585K · loan HK$5.26M · min. income ≈ HK$56,302/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$131,606 · 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).