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$13,485
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$426/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,203
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,662/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,002
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$408/mo
Today · 4.125%
HK$15,813
baseline
▲ 0.50% · 4.625%
HK$16,646
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,626/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,182
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$511/mo
Today · 4.125%
HK$17,197
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,394/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,003
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$489/mo
Today · 4.125%
HK$18,975
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,950/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$596/mo
Today · 4.125%
HK$20,063
baseline
▲ 0.50% · 4.625%
HK$21,284
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,126/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,003
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$571/mo
Today · 4.125%
HK$22,138
baseline
▲ 0.50% · 4.625%
HK$23,305
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,276/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,274
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$767/mo
Today · 4.125%
HK$25,796
baseline
▲ 0.50% · 4.625%
HK$27,365
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,592/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,004
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,728
−HK$735/mo
Today · 4.125%
HK$28,463
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,501/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,926/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,065 · 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).