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$13,295
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$420/mo
Today · 4.125%
HK$14,128
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,256/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,790
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,187
−HK$402/mo
Today · 4.125%
HK$15,589
baseline
▲ 0.50% · 4.625%
HK$16,411
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,178/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,954
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,450
−HK$504/mo
Today · 4.125%
HK$16,954
baseline
▲ 0.50% · 4.625%
HK$17,986
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,908/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,748
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,224
−HK$483/mo
Today · 4.125%
HK$18,707
baseline
▲ 0.50% · 4.625%
HK$19,693
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,414/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,613
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,192
−HK$588/mo
Today · 4.125%
HK$19,780
baseline
▲ 0.50% · 4.625%
HK$20,983
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,560/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,706
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,262
−HK$563/mo
Today · 4.125%
HK$21,825
baseline
▲ 0.50% · 4.625%
HK$22,976
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,650/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,931
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$756/mo
Today · 4.125%
HK$25,431
baseline
▲ 0.50% · 4.625%
HK$26,979
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,862/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,623
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,337
−HK$724/mo
Today · 4.125%
HK$28,061
baseline
▲ 0.50% · 4.625%
HK$29,540
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,122/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,184 · 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).