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$13,297
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,711
−HK$420/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,991
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,262/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,190
−HK$402/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,414
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,957
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,453
−HK$504/mo
Today · 4.125%
HK$16,957
baseline
▲ 0.50% · 4.625%
HK$17,989
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,914/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,752
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,228
−HK$483/mo
Today · 4.125%
HK$18,711
baseline
▲ 0.50% · 4.625%
HK$19,697
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,422/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,616
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,195
−HK$589/mo
Today · 4.125%
HK$19,784
baseline
▲ 0.50% · 4.625%
HK$20,987
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,568/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,710
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,266
−HK$563/mo
Today · 4.125%
HK$21,829
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,658/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,935
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,680
−HK$756/mo
Today · 4.125%
HK$25,436
baseline
▲ 0.50% · 4.625%
HK$26,984
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,872/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,628
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,342
−HK$724/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,546
+HK$1,480/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,209 · 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).