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$13,487
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,906
−HK$427/mo
Today · 4.125%
HK$14,333
baseline
▲ 0.50% · 4.625%
HK$15,205
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,666/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,004
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,406
−HK$409/mo
Today · 4.125%
HK$15,815
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,630/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,184
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,688
−HK$511/mo
Today · 4.125%
HK$17,199
baseline
▲ 0.50% · 4.625%
HK$18,246
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,398/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,005
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$489/mo
Today · 4.125%
HK$18,977
baseline
▲ 0.50% · 4.625%
HK$19,978
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,954/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,882
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,469
−HK$597/mo
Today · 4.125%
HK$20,066
baseline
▲ 0.50% · 4.625%
HK$21,286
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,132/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$571/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,307
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,276
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,031
−HK$768/mo
Today · 4.125%
HK$25,799
baseline
▲ 0.50% · 4.625%
HK$27,368
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,598/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,007
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,731
−HK$735/mo
Today · 4.125%
HK$28,466
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,501/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,932/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,079 · 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).