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$13,302
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,715
−HK$421/mo
Today · 4.125%
HK$14,136
baseline
▲ 0.50% · 4.625%
HK$14,996
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,272/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,798
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,195
−HK$402/mo
Today · 4.125%
HK$15,597
baseline
▲ 0.50% · 4.625%
HK$16,420
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,194/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,962
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,458
−HK$505/mo
Today · 4.125%
HK$16,963
baseline
▲ 0.50% · 4.625%
HK$17,995
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,926/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,757
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,234
−HK$483/mo
Today · 4.125%
HK$18,717
baseline
▲ 0.50% · 4.625%
HK$19,703
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,434/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,622
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,201
−HK$589/mo
Today · 4.125%
HK$19,790
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,580/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,717
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$563/mo
Today · 4.125%
HK$21,836
baseline
▲ 0.50% · 4.625%
HK$22,987
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,672/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$756/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,549/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,636
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,351
−HK$724/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,555
+HK$1,480/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,252 · 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).