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$13,315
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,730
−HK$420/mo
Today · 4.125%
HK$14,150
baseline
▲ 0.50% · 4.625%
HK$15,011
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,300/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,813
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$403/mo
Today · 4.125%
HK$15,614
baseline
▲ 0.50% · 4.625%
HK$16,437
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,228/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,979
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,476
−HK$505/mo
Today · 4.125%
HK$16,981
baseline
▲ 0.50% · 4.625%
HK$18,014
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,962/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,776
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,253
−HK$483/mo
Today · 4.125%
HK$18,736
baseline
▲ 0.50% · 4.625%
HK$19,724
+HK$988/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,472/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,642
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,222
−HK$589/mo
Today · 4.125%
HK$19,811
baseline
▲ 0.50% · 4.625%
HK$21,016
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,622/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,739
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,295
−HK$564/mo
Today · 4.125%
HK$21,859
baseline
▲ 0.50% · 4.625%
HK$23,011
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,718/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$758/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$27,021
+HK$1,550/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,664
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$726/mo
Today · 4.125%
HK$28,105
baseline
▲ 0.50% · 4.625%
HK$29,586
+HK$1,481/mo
Deposit HK$584K · loan HK$5.26M · min. income ≈ HK$56,210/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,388 · 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).