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$13,312
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,726
−HK$421/mo
Today · 4.125%
HK$14,147
baseline
▲ 0.50% · 4.625%
HK$15,007
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,294/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,809
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,206
−HK$403/mo
Today · 4.125%
HK$15,609
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,218/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,974
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$505/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$18,009
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,771
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$483/mo
Today · 4.125%
HK$18,731
baseline
▲ 0.50% · 4.625%
HK$19,718
+HK$987/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,462/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,636
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,216
−HK$589/mo
Today · 4.125%
HK$19,805
baseline
▲ 0.50% · 4.625%
HK$21,010
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,610/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,733
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,289
−HK$564/mo
Today · 4.125%
HK$21,853
baseline
▲ 0.50% · 4.625%
HK$23,005
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,706/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,961
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$758/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$27,013
+HK$1,549/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,657
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$726/mo
Today · 4.125%
HK$28,097
baseline
▲ 0.50% · 4.625%
HK$29,578
+HK$1,481/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,194/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,352 · 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).