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$834/mo
▼ 0.25% · 3.875%
HK$13,718
−HK$420/mo
Today · 4.125%
HK$14,138
baseline
▲ 0.50% · 4.625%
HK$14,998
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,276/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,800
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,197
−HK$403/mo
Today · 4.125%
HK$15,600
baseline
▲ 0.50% · 4.625%
HK$16,422
+HK$822/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$131,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,964
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,461
−HK$505/mo
Today · 4.125%
HK$16,966
baseline
▲ 0.50% · 4.625%
HK$17,998
+HK$1,032/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,932/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,760
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,237
−HK$483/mo
Today · 4.125%
HK$18,720
baseline
▲ 0.50% · 4.625%
HK$19,707
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,440/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$131,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,625
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,205
−HK$588/mo
Today · 4.125%
HK$19,793
baseline
▲ 0.50% · 4.625%
HK$20,998
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,586/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,720
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$564/mo
Today · 4.125%
HK$21,840
baseline
▲ 0.50% · 4.625%
HK$22,991
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,680/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,947
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,692
−HK$756/mo
Today · 4.125%
HK$25,448
baseline
▲ 0.50% · 4.625%
HK$26,997
+HK$1,549/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,896/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,640
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,355
−HK$725/mo
Today · 4.125%
HK$28,080
baseline
▲ 0.50% · 4.625%
HK$29,560
+HK$1,480/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,160/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,272 · 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).