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$13,301
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,715
−HK$420/mo
Today · 4.125%
HK$14,135
baseline
▲ 0.50% · 4.625%
HK$14,995
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,270/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,797
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,194
−HK$402/mo
Today · 4.125%
HK$15,596
baseline
▲ 0.50% · 4.625%
HK$16,419
+HK$823/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$131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,961
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,457
−HK$505/mo
Today · 4.125%
HK$16,962
baseline
▲ 0.50% · 4.625%
HK$17,994
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,924/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,756
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$483/mo
Today · 4.125%
HK$18,716
baseline
▲ 0.50% · 4.625%
HK$19,702
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,432/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,621
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,200
−HK$589/mo
Today · 4.125%
HK$19,789
baseline
▲ 0.50% · 4.625%
HK$20,993
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,578/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,716
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,271
−HK$564/mo
Today · 4.125%
HK$21,835
baseline
▲ 0.50% · 4.625%
HK$22,986
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,670/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,941
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,686
−HK$757/mo
Today · 4.125%
HK$25,443
baseline
▲ 0.50% · 4.625%
HK$26,991
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,886/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,635
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,349
−HK$725/mo
Today · 4.125%
HK$28,074
baseline
▲ 0.50% · 4.625%
HK$29,553
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,148/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,244 · 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).