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$13,297
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,710
−HK$421/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,991
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,262/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,189
−HK$403/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,414
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,956
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,453
−HK$504/mo
Today · 4.125%
HK$16,957
baseline
▲ 0.50% · 4.625%
HK$17,989
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,914/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,751
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,227
−HK$483/mo
Today · 4.125%
HK$18,710
baseline
▲ 0.50% · 4.625%
HK$19,696
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,420/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,616
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,195
−HK$588/mo
Today · 4.125%
HK$19,783
baseline
▲ 0.50% · 4.625%
HK$20,987
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,566/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,710
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$564/mo
Today · 4.125%
HK$21,829
baseline
▲ 0.50% · 4.625%
HK$22,979
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,658/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,934
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,679
−HK$756/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,983
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,627
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,341
−HK$724/mo
Today · 4.125%
HK$28,065
baseline
▲ 0.50% · 4.625%
HK$29,545
+HK$1,480/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,130/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,205 · 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).