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$13,304
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,718
−HK$421/mo
Today · 4.125%
HK$14,139
baseline
▲ 0.50% · 4.625%
HK$14,999
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,278/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,801
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$402/mo
Today · 4.125%
HK$15,600
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,200/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,965
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,462
−HK$504/mo
Today · 4.125%
HK$16,966
baseline
▲ 0.50% · 4.625%
HK$17,999
+HK$1,033/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,932/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,761
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,237
−HK$484/mo
Today · 4.125%
HK$18,721
baseline
▲ 0.50% · 4.625%
HK$19,707
+HK$986/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,442/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,626
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,205
−HK$589/mo
Today · 4.125%
HK$19,794
baseline
▲ 0.50% · 4.625%
HK$20,998
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,588/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,721
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,277
−HK$564/mo
Today · 4.125%
HK$21,841
baseline
▲ 0.50% · 4.625%
HK$22,992
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,682/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,948
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,693
−HK$756/mo
Today · 4.125%
HK$25,449
baseline
▲ 0.50% · 4.625%
HK$26,998
+HK$1,549/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,898/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,641
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,356
−HK$725/mo
Today · 4.125%
HK$28,081
baseline
▲ 0.50% · 4.625%
HK$29,561
+HK$1,480/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,162/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,277 · 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).