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$131,304 · 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$16,426
+HK$822/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$131,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,968
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,465
−HK$505/mo
Today · 4.125%
HK$16,970
baseline
▲ 0.50% · 4.625%
HK$18,002
+HK$1,032/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$131,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,765
−HK$959/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$131,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,630
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,209
−HK$589/mo
Today · 4.125%
HK$19,798
baseline
▲ 0.50% · 4.625%
HK$21,003
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,596/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,304 · 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$22,997
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,690/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,304 · 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$27,003
+HK$1,548/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$131,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,647
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,362
−HK$725/mo
Today · 4.125%
HK$28,087
baseline
▲ 0.50% · 4.625%
HK$29,567
+HK$1,480/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$131,304 · 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).