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$13,312
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,726
−HK$421/mo
Today · 4.125%
HK$14,147
baseline
▲ 0.50% · 4.625%
HK$15,008
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,294/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,810
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$403/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$823/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,220/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,975
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$505/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$18,009
+HK$1,033/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,772
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$484/mo
Today · 4.125%
HK$18,732
baseline
▲ 0.50% · 4.625%
HK$19,719
+HK$987/mo
Deposit HK$2.34M · loan HK$3.50M · min. income ≈ HK$37,464/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,637
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,217
−HK$589/mo
Today · 4.125%
HK$19,806
baseline
▲ 0.50% · 4.625%
HK$21,011
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,612/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,733
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,290
−HK$564/mo
Today · 4.125%
HK$21,854
baseline
▲ 0.50% · 4.625%
HK$23,006
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,708/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,962
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$757/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,550/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,657
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,372
−HK$726/mo
Today · 4.125%
HK$28,098
baseline
▲ 0.50% · 4.625%
HK$29,579
+HK$1,481/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,196/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,355 · 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).