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$13,290
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$420/mo
Today · 4.125%
HK$14,124
baseline
▲ 0.50% · 4.625%
HK$14,983
+HK$859/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$28,248/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$402/mo
Today · 4.125%
HK$15,584
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$821/mo
Deposit HK$2.91M · loan HK$2.91M · min. income ≈ HK$31,168/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,948
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,444
−HK$504/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,980
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,896/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,742
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,218
−HK$483/mo
Today · 4.125%
HK$18,701
baseline
▲ 0.50% · 4.625%
HK$19,687
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,402/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,606
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,185
−HK$588/mo
Today · 4.125%
HK$19,773
baseline
▲ 0.50% · 4.625%
HK$20,976
+HK$1,203/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,546/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,699
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$564/mo
Today · 4.125%
HK$21,818
baseline
▲ 0.50% · 4.625%
HK$22,968
+HK$1,150/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,636/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,922
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,666
−HK$756/mo
Today · 4.125%
HK$25,422
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,547/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,844/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,613
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,327
−HK$724/mo
Today · 4.125%
HK$28,051
baseline
▲ 0.50% · 4.625%
HK$29,530
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,102/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,139 · 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).