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$834/mo
▼ 0.25% · 3.875%
HK$13,721
−HK$420/mo
Today · 4.125%
HK$14,141
baseline
▲ 0.50% · 4.625%
HK$15,002
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,282/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,804
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,201
−HK$402/mo
Today · 4.125%
HK$15,603
baseline
▲ 0.50% · 4.625%
HK$16,426
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,206/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,968
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,465
−HK$504/mo
Today · 4.125%
HK$16,969
baseline
▲ 0.50% · 4.625%
HK$18,002
+HK$1,033/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,938/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,764
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,241
−HK$483/mo
Today · 4.125%
HK$18,724
baseline
▲ 0.50% · 4.625%
HK$19,711
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,448/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,629
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,209
−HK$589/mo
Today · 4.125%
HK$19,798
baseline
▲ 0.50% · 4.625%
HK$21,002
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,596/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,725
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,281
−HK$564/mo
Today · 4.125%
HK$21,845
baseline
▲ 0.50% · 4.625%
HK$22,996
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,690/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$757/mo
Today · 4.125%
HK$25,454
baseline
▲ 0.50% · 4.625%
HK$27,003
+HK$1,549/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,908/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,646
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$725/mo
Today · 4.125%
HK$28,086
baseline
▲ 0.50% · 4.625%
HK$29,566
+HK$1,480/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,172/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,302 · 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).