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$13,506
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$427/mo
Today · 4.125%
HK$14,353
baseline
▲ 0.50% · 4.625%
HK$15,226
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,706/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,025
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$409/mo
Today · 4.125%
HK$15,837
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,674/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,207
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,711
−HK$512/mo
Today · 4.125%
HK$17,223
baseline
▲ 0.50% · 4.625%
HK$18,271
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,446/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,030
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,514
−HK$490/mo
Today · 4.125%
HK$19,004
baseline
▲ 0.50% · 4.625%
HK$20,006
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,008/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,908
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,496
−HK$598/mo
Today · 4.125%
HK$20,094
baseline
▲ 0.50% · 4.625%
HK$21,317
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,188/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,035
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$573/mo
Today · 4.125%
HK$22,172
baseline
▲ 0.50% · 4.625%
HK$23,340
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,344/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,311
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,067
−HK$768/mo
Today · 4.125%
HK$25,835
baseline
▲ 0.50% · 4.625%
HK$27,407
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,670/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,045
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,771
−HK$735/mo
Today · 4.125%
HK$28,506
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,503/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,012/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,267 · 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).