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$13,480
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,899
−HK$426/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,197
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,650/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,996
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,398
−HK$408/mo
Today · 4.125%
HK$15,806
baseline
▲ 0.50% · 4.625%
HK$16,639
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,612/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,175
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,679
−HK$511/mo
Today · 4.125%
HK$17,190
baseline
▲ 0.50% · 4.625%
HK$18,236
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,380/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,995
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,478
−HK$489/mo
Today · 4.125%
HK$18,967
baseline
▲ 0.50% · 4.625%
HK$19,967
+HK$1,000/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,934/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,871
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$597/mo
Today · 4.125%
HK$20,055
baseline
▲ 0.50% · 4.625%
HK$21,275
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,110/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,994
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,557
−HK$572/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,295
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,263
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$767/mo
Today · 4.125%
HK$25,785
baseline
▲ 0.50% · 4.625%
HK$27,354
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,570/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,993
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,717
−HK$734/mo
Today · 4.125%
HK$28,451
baseline
▲ 0.50% · 4.625%
HK$29,951
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,902/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,008 · 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).