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$13,296
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,709
−HK$421/mo
Today · 4.125%
HK$14,130
baseline
▲ 0.50% · 4.625%
HK$14,989
+HK$859/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,260/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,792
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$403/mo
Today · 4.125%
HK$15,591
baseline
▲ 0.50% · 4.625%
HK$16,412
+HK$821/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,182/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,955
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,451
−HK$505/mo
Today · 4.125%
HK$16,956
baseline
▲ 0.50% · 4.625%
HK$17,987
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,912/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,750
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,226
−HK$483/mo
Today · 4.125%
HK$18,709
baseline
▲ 0.50% · 4.625%
HK$19,695
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,418/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,614
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,193
−HK$588/mo
Today · 4.125%
HK$19,781
baseline
▲ 0.50% · 4.625%
HK$20,985
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,562/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,264
−HK$563/mo
Today · 4.125%
HK$21,827
baseline
▲ 0.50% · 4.625%
HK$22,977
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,654/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,933
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,677
−HK$756/mo
Today · 4.125%
HK$25,433
baseline
▲ 0.50% · 4.625%
HK$26,981
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,866/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,625
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,339
−HK$724/mo
Today · 4.125%
HK$28,063
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,126/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,195 · 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).