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$13,307
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,721
−HK$421/mo
Today · 4.125%
HK$14,142
baseline
▲ 0.50% · 4.625%
HK$15,002
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,284/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,804
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,201
−HK$403/mo
Today · 4.125%
HK$15,604
baseline
▲ 0.50% · 4.625%
HK$16,427
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,208/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,969
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,466
−HK$504/mo
Today · 4.125%
HK$16,970
baseline
▲ 0.50% · 4.625%
HK$18,003
+HK$1,033/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,940/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,765
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,242
−HK$483/mo
Today · 4.125%
HK$18,725
baseline
▲ 0.50% · 4.625%
HK$19,712
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,450/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,630
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,210
−HK$589/mo
Today · 4.125%
HK$19,799
baseline
▲ 0.50% · 4.625%
HK$21,003
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,598/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,726
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,282
−HK$564/mo
Today · 4.125%
HK$21,846
baseline
▲ 0.50% · 4.625%
HK$22,997
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,692/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,953
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,698
−HK$757/mo
Today · 4.125%
HK$25,455
baseline
▲ 0.50% · 4.625%
HK$27,004
+HK$1,549/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,910/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,648
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,362
−HK$725/mo
Today · 4.125%
HK$28,087
baseline
▲ 0.50% · 4.625%
HK$29,568
+HK$1,481/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,174/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,308 · 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).