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$13,290
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,703
−HK$420/mo
Today · 4.125%
HK$14,123
baseline
▲ 0.50% · 4.625%
HK$14,983
+HK$860/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,246/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,181
−HK$403/mo
Today · 4.125%
HK$15,584
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,168/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,948
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,444
−HK$504/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,979
+HK$1,031/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,896/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,742
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,218
−HK$482/mo
Today · 4.125%
HK$18,700
baseline
▲ 0.50% · 4.625%
HK$19,686
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,400/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,606
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,185
−HK$588/mo
Today · 4.125%
HK$19,773
baseline
▲ 0.50% · 4.625%
HK$20,976
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,546/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,699
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$563/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$22,967
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,922
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$756/mo
Today · 4.125%
HK$25,422
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,547/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,844/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,613
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,326
−HK$724/mo
Today · 4.125%
HK$28,050
baseline
▲ 0.50% · 4.625%
HK$29,529
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,100/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,135 · 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).