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$13,313
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$421/mo
Today · 4.125%
HK$14,148
baseline
▲ 0.50% · 4.625%
HK$15,008
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,296/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,810
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,208
−HK$402/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,220/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,975
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,472
−HK$505/mo
Today · 4.125%
HK$16,977
baseline
▲ 0.50% · 4.625%
HK$18,010
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,954/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,772
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,249
−HK$484/mo
Today · 4.125%
HK$18,733
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$987/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,466/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,638
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,218
−HK$589/mo
Today · 4.125%
HK$19,807
baseline
▲ 0.50% · 4.625%
HK$21,012
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,614/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,734
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,291
−HK$564/mo
Today · 4.125%
HK$21,855
baseline
▲ 0.50% · 4.625%
HK$23,007
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,710/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,963
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,708
−HK$758/mo
Today · 4.125%
HK$25,466
baseline
▲ 0.50% · 4.625%
HK$27,015
+HK$1,549/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,932/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,659
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,374
−HK$725/mo
Today · 4.125%
HK$28,099
baseline
▲ 0.50% · 4.625%
HK$29,580
+HK$1,481/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,198/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,362 · 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).