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$13,520
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$428/mo
Today · 4.125%
HK$14,368
baseline
▲ 0.50% · 4.625%
HK$15,242
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,736/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,041
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$409/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,689
+HK$836/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,224
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$513/mo
Today · 4.125%
HK$17,241
baseline
▲ 0.50% · 4.625%
HK$18,290
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,482/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,049
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,533
−HK$491/mo
Today · 4.125%
HK$19,024
baseline
▲ 0.50% · 4.625%
HK$20,027
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,048/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,928
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,517
−HK$598/mo
Today · 4.125%
HK$20,115
baseline
▲ 0.50% · 4.625%
HK$21,339
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,230/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,057
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,622
−HK$573/mo
Today · 4.125%
HK$22,195
baseline
▲ 0.50% · 4.625%
HK$23,365
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,390/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,336
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,093
−HK$769/mo
Today · 4.125%
HK$25,862
baseline
▲ 0.50% · 4.625%
HK$27,435
+HK$1,573/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,724/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$737/mo
Today · 4.125%
HK$28,536
baseline
▲ 0.50% · 4.625%
HK$30,040
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,072/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,405 · 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).