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$13,503
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,923
−HK$427/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,223
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,700/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,022
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$409/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,669
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,668/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,204
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,708
−HK$512/mo
Today · 4.125%
HK$17,220
baseline
▲ 0.50% · 4.625%
HK$18,268
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,440/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,027
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,510
−HK$491/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,002
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,002/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,905
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,493
−HK$597/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,313
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,031
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,596
−HK$572/mo
Today · 4.125%
HK$22,168
baseline
▲ 0.50% · 4.625%
HK$23,336
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,336/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,306
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$768/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,040
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$735/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,004
+HK$1,503/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,243 · 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).