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$13,474
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,894
−HK$425/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,191
+HK$872/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,638/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,990
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$408/mo
Today · 4.125%
HK$15,800
baseline
▲ 0.50% · 4.625%
HK$16,633
+HK$833/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,600/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,169
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$511/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,229
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,366/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,988
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,471
−HK$489/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$19,960
+HK$1,000/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,864
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$596/mo
Today · 4.125%
HK$20,047
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,094/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,986
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$571/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,286
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,254
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,009
−HK$766/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,343
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,982
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,706
−HK$734/mo
Today · 4.125%
HK$28,440
baseline
▲ 0.50% · 4.625%
HK$29,939
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,880/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,958 · 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).