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$13,298
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,712
−HK$420/mo
Today · 4.125%
HK$14,132
baseline
▲ 0.50% · 4.625%
HK$14,992
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,264/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,794
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,191
−HK$403/mo
Today · 4.125%
HK$15,594
baseline
▲ 0.50% · 4.625%
HK$16,416
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,188/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,958
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,455
−HK$504/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,918/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,753
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$483/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,699
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,618
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$588/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,204/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,712
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$563/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,937
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,682
−HK$756/mo
Today · 4.125%
HK$25,438
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,548/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,876/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,630
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,344
−HK$725/mo
Today · 4.125%
HK$28,069
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,479/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,138/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$131,221 · 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).