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$13,311
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$421/mo
Today · 4.125%
HK$14,146
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,292/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,808
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,206
−HK$402/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,431
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,216/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,973
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$505/mo
Today · 4.125%
HK$16,975
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,950/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,770
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,247
−HK$483/mo
Today · 4.125%
HK$18,730
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$987/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,460/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,635
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$589/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$21,009
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,732
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,288
−HK$564/mo
Today · 4.125%
HK$21,852
baseline
▲ 0.50% · 4.625%
HK$23,004
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,704/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,960
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,705
−HK$757/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,550/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,655
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,370
−HK$725/mo
Today · 4.125%
HK$28,095
baseline
▲ 0.50% · 4.625%
HK$29,576
+HK$1,481/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,190/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,344 · 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).