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$13,306
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,720
−HK$420/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$15,001
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,280/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,803
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,200
−HK$403/mo
Today · 4.125%
HK$15,603
baseline
▲ 0.50% · 4.625%
HK$16,425
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,206/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,967
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,464
−HK$504/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$18,001
+HK$1,033/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,936/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,763
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,240
−HK$483/mo
Today · 4.125%
HK$18,723
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,446/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,628
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,208
−HK$589/mo
Today · 4.125%
HK$19,797
baseline
▲ 0.50% · 4.625%
HK$21,001
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,594/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,724
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,280
−HK$564/mo
Today · 4.125%
HK$21,844
baseline
▲ 0.50% · 4.625%
HK$22,995
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,688/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,951
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$757/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$27,001
+HK$1,548/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,645
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,360
−HK$725/mo
Today · 4.125%
HK$28,085
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,480/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,170/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,295 · 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).