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$13,305
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$421/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$15,000
+HK$860/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,280/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,802
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,199
−HK$403/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,424
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,204/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,966
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$504/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$18,000
+HK$1,033/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,762
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,239
−HK$483/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,444/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,627
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,207
−HK$588/mo
Today · 4.125%
HK$19,795
baseline
▲ 0.50% · 4.625%
HK$21,000
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$39,590/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,723
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,278
−HK$564/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,151/mo
Deposit HK$1.75M · loan HK$4.08M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,949
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$757/mo
Today · 4.125%
HK$25,451
baseline
▲ 0.50% · 4.625%
HK$27,000
+HK$1,549/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$50,902/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,643
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,358
−HK$725/mo
Today · 4.125%
HK$28,083
baseline
▲ 0.50% · 4.625%
HK$29,563
+HK$1,480/mo
Deposit HK$583K · loan HK$5.25M · min. income ≈ HK$56,166/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,287 · 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).