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$13,515
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,935
−HK$428/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,035
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,439
−HK$409/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,218
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,723
−HK$512/mo
Today · 4.125%
HK$17,235
baseline
▲ 0.50% · 4.625%
HK$18,284
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,470/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,042
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$491/mo
Today · 4.125%
HK$19,017
baseline
▲ 0.50% · 4.625%
HK$20,020
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,034/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,921
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$598/mo
Today · 4.125%
HK$20,108
baseline
▲ 0.50% · 4.625%
HK$21,331
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,216/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,050
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,614
−HK$573/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,356
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,084
−HK$769/mo
Today · 4.125%
HK$25,853
baseline
▲ 0.50% · 4.625%
HK$27,426
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,706/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,064
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,790
−HK$736/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,030
+HK$1,504/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,358 · 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).