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$13,519
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$428/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,241
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,734/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$409/mo
Today · 4.125%
HK$15,852
baseline
▲ 0.50% · 4.625%
HK$16,688
+HK$836/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,704/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,223
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$513/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,480/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,048
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$491/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,025
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,046/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,927
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$598/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,620
−HK$573/mo
Today · 4.125%
HK$22,193
baseline
▲ 0.50% · 4.625%
HK$23,363
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,386/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,334
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,091
−HK$769/mo
Today · 4.125%
HK$25,860
baseline
▲ 0.50% · 4.625%
HK$27,434
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,720/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,071
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,797
−HK$737/mo
Today · 4.125%
HK$28,534
baseline
▲ 0.50% · 4.625%
HK$30,038
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,068/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,396 · 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).