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$13,308
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,722
−HK$421/mo
Today · 4.125%
HK$14,143
baseline
▲ 0.50% · 4.625%
HK$15,003
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,286/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,805
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,202
−HK$403/mo
Today · 4.125%
HK$15,605
baseline
▲ 0.50% · 4.625%
HK$16,428
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,210/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,970
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,467
−HK$504/mo
Today · 4.125%
HK$16,971
baseline
▲ 0.50% · 4.625%
HK$18,004
+HK$1,033/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,942/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,766
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,243
−HK$483/mo
Today · 4.125%
HK$18,726
baseline
▲ 0.50% · 4.625%
HK$19,713
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,452/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,631
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,211
−HK$589/mo
Today · 4.125%
HK$19,800
baseline
▲ 0.50% · 4.625%
HK$21,005
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,600/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,727
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,283
−HK$564/mo
Today · 4.125%
HK$21,847
baseline
▲ 0.50% · 4.625%
HK$22,999
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,694/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,955
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,700
−HK$757/mo
Today · 4.125%
HK$25,457
baseline
▲ 0.50% · 4.625%
HK$27,006
+HK$1,549/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,914/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,649
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,364
−HK$725/mo
Today · 4.125%
HK$28,089
baseline
▲ 0.50% · 4.625%
HK$29,570
+HK$1,481/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,178/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,316 · 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).