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$13,291
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$420/mo
Today · 4.125%
HK$14,124
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$860/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,248/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,786
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$402/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,406
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,949
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,445
−HK$504/mo
Today · 4.125%
HK$16,949
baseline
▲ 0.50% · 4.625%
HK$17,981
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,898/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,743
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,219
−HK$483/mo
Today · 4.125%
HK$18,702
baseline
▲ 0.50% · 4.625%
HK$19,688
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,404/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,607
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$588/mo
Today · 4.125%
HK$19,774
baseline
▲ 0.50% · 4.625%
HK$20,977
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,548/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,700
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$563/mo
Today · 4.125%
HK$21,819
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,638/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,924
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$756/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,971
+HK$1,547/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,615
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,329
−HK$724/mo
Today · 4.125%
HK$28,053
baseline
▲ 0.50% · 4.625%
HK$29,531
+HK$1,478/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,106/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,146 · 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).