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$13,317
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,731
−HK$421/mo
Today · 4.125%
HK$14,152
baseline
▲ 0.50% · 4.625%
HK$15,013
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,304/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,815
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,212
−HK$403/mo
Today · 4.125%
HK$15,615
baseline
▲ 0.50% · 4.625%
HK$16,438
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,230/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,980
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,477
−HK$505/mo
Today · 4.125%
HK$16,982
baseline
▲ 0.50% · 4.625%
HK$18,015
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,964/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,254
−HK$484/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,726
+HK$988/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,643
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$589/mo
Today · 4.125%
HK$19,812
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,206/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,624/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,740
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,297
−HK$564/mo
Today · 4.125%
HK$21,861
baseline
▲ 0.50% · 4.625%
HK$23,013
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,722/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,970
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,715
−HK$758/mo
Today · 4.125%
HK$25,473
baseline
▲ 0.50% · 4.625%
HK$27,023
+HK$1,550/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,946/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,666
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,381
−HK$726/mo
Today · 4.125%
HK$28,107
baseline
▲ 0.50% · 4.625%
HK$29,589
+HK$1,482/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,214/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,400 · 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).