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$13,517
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,938
−HK$427/mo
Today · 4.125%
HK$14,365
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,730/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,038
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$409/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,686
+HK$836/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,700/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,221
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,725
−HK$513/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,287
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,476/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,046
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,530
−HK$491/mo
Today · 4.125%
HK$19,021
baseline
▲ 0.50% · 4.625%
HK$20,023
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,042/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,924
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,513
−HK$598/mo
Today · 4.125%
HK$20,111
baseline
▲ 0.50% · 4.625%
HK$21,335
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,222/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,053
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$573/mo
Today · 4.125%
HK$22,191
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,382/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,331
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,088
−HK$769/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,430
+HK$1,573/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,794
−HK$737/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,035
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,381 · 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).