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$13,309
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$421/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$15,004
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,288/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,806
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,203
−HK$403/mo
Today · 4.125%
HK$15,606
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,212/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,971
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$504/mo
Today · 4.125%
HK$16,972
baseline
▲ 0.50% · 4.625%
HK$18,005
+HK$1,033/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,944/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,768
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$483/mo
Today · 4.125%
HK$18,727
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$988/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,454/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,212
−HK$589/mo
Today · 4.125%
HK$19,801
baseline
▲ 0.50% · 4.625%
HK$21,006
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,602/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,729
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$564/mo
Today · 4.125%
HK$21,849
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,698/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,956
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$757/mo
Today · 4.125%
HK$25,459
baseline
▲ 0.50% · 4.625%
HK$27,008
+HK$1,549/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,918/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,651
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,366
−HK$725/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,572
+HK$1,481/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,326 · 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).