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$13,300
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,714
−HK$420/mo
Today · 4.125%
HK$14,134
baseline
▲ 0.50% · 4.625%
HK$14,994
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,268/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,796
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,193
−HK$403/mo
Today · 4.125%
HK$15,596
baseline
▲ 0.50% · 4.625%
HK$16,418
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,192/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,960
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,456
−HK$505/mo
Today · 4.125%
HK$16,961
baseline
▲ 0.50% · 4.625%
HK$17,993
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,922/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,755
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,232
−HK$483/mo
Today · 4.125%
HK$18,715
baseline
▲ 0.50% · 4.625%
HK$19,701
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,430/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,620
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,199
−HK$589/mo
Today · 4.125%
HK$19,788
baseline
▲ 0.50% · 4.625%
HK$20,992
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,576/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,715
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$564/mo
Today · 4.125%
HK$21,834
baseline
▲ 0.50% · 4.625%
HK$22,985
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,668/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,940
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,685
−HK$756/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,989
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,633
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,347
−HK$725/mo
Today · 4.125%
HK$28,072
baseline
▲ 0.50% · 4.625%
HK$29,552
+HK$1,480/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,144/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,236 · 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).