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$13,299
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,713
−HK$420/mo
Today · 4.125%
HK$14,133
baseline
▲ 0.50% · 4.625%
HK$14,993
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,266/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,795
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,192
−HK$402/mo
Today · 4.125%
HK$15,594
baseline
▲ 0.50% · 4.625%
HK$16,416
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,188/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,959
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,455
−HK$505/mo
Today · 4.125%
HK$16,960
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,920/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,754
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,230
−HK$483/mo
Today · 4.125%
HK$18,713
baseline
▲ 0.50% · 4.625%
HK$19,700
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,426/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,619
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,198
−HK$588/mo
Today · 4.125%
HK$19,786
baseline
▲ 0.50% · 4.625%
HK$20,990
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,572/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,713
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$564/mo
Today · 4.125%
HK$21,832
baseline
▲ 0.50% · 4.625%
HK$22,983
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,664/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,938
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,683
−HK$756/mo
Today · 4.125%
HK$25,439
baseline
▲ 0.50% · 4.625%
HK$26,987
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,878/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,631
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,345
−HK$725/mo
Today · 4.125%
HK$28,070
baseline
▲ 0.50% · 4.625%
HK$29,549
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,140/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,226 · 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).