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$13,497
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,917
−HK$427/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,688/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,015
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,418
−HK$409/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,661
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,654/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,197
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,700
−HK$512/mo
Today · 4.125%
HK$17,212
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,424/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,019
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,502
−HK$490/mo
Today · 4.125%
HK$18,992
baseline
▲ 0.50% · 4.625%
HK$19,993
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,984/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,896
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$597/mo
Today · 4.125%
HK$20,081
baseline
▲ 0.50% · 4.625%
HK$21,303
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,162/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,022
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,585
−HK$572/mo
Today · 4.125%
HK$22,157
baseline
▲ 0.50% · 4.625%
HK$23,325
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,314/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,051
−HK$767/mo
Today · 4.125%
HK$25,818
baseline
▲ 0.50% · 4.625%
HK$27,389
+HK$1,571/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,636/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$735/mo
Today · 4.125%
HK$28,488
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,976/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,181 · 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).