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$13,513
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$428/mo
Today · 4.125%
HK$14,361
baseline
▲ 0.50% · 4.625%
HK$15,234
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,722/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,033
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,436
−HK$409/mo
Today · 4.125%
HK$15,845
baseline
▲ 0.50% · 4.625%
HK$16,681
+HK$836/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,690/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,216
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,720
−HK$513/mo
Today · 4.125%
HK$17,233
baseline
▲ 0.50% · 4.625%
HK$18,281
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,466/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,040
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,524
−HK$491/mo
Today · 4.125%
HK$19,015
baseline
▲ 0.50% · 4.625%
HK$20,017
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,030/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,918
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$598/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,328
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$573/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,353
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,324
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$769/mo
Today · 4.125%
HK$25,849
baseline
▲ 0.50% · 4.625%
HK$27,422
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,698/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,060
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,786
−HK$736/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,025
+HK$1,503/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,044/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,339 · 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).