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$13,292
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,706
−HK$420/mo
Today · 4.125%
HK$14,126
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,252/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,787
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,184
−HK$402/mo
Today · 4.125%
HK$15,586
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$822/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,172/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,950
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$504/mo
Today · 4.125%
HK$16,951
baseline
▲ 0.50% · 4.625%
HK$17,982
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,902/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,745
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,221
−HK$482/mo
Today · 4.125%
HK$18,703
baseline
▲ 0.50% · 4.625%
HK$19,689
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,406/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,609
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$588/mo
Today · 4.125%
HK$19,776
baseline
▲ 0.50% · 4.625%
HK$20,979
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,552/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,702
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$564/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,926
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,670
−HK$756/mo
Today · 4.125%
HK$25,426
baseline
▲ 0.50% · 4.625%
HK$26,973
+HK$1,547/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,852/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,617
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$724/mo
Today · 4.125%
HK$28,055
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,110/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,157 · 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).