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$833/mo
▼ 0.25% · 3.875%
HK$13,705
−HK$420/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$860/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,250/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,787
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$403/mo
Today · 4.125%
HK$15,586
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$821/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$131,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,950
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$504/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,982
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,900/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,744
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$483/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$131,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,608
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$588/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,978
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,702
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$563/mo
Today · 4.125%
HK$21,820
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,640/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,925
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,669
−HK$756/mo
Today · 4.125%
HK$25,425
baseline
▲ 0.50% · 4.625%
HK$26,972
+HK$1,547/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,850/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,616
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,330
−HK$724/mo
Today · 4.125%
HK$28,054
baseline
▲ 0.50% · 4.625%
HK$29,533
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,108/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,153 · 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).