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$13,502
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,922
−HK$427/mo
Today · 4.125%
HK$14,349
baseline
▲ 0.50% · 4.625%
HK$15,222
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,698/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,021
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,424
−HK$409/mo
Today · 4.125%
HK$15,833
baseline
▲ 0.50% · 4.625%
HK$16,667
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,666/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,203
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$512/mo
Today · 4.125%
HK$17,219
baseline
▲ 0.50% · 4.625%
HK$18,266
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,438/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,025
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$490/mo
Today · 4.125%
HK$18,999
baseline
▲ 0.50% · 4.625%
HK$20,001
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,998/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,903
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,491
−HK$598/mo
Today · 4.125%
HK$20,089
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,178/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,030
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$572/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,334
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,304
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,060
−HK$768/mo
Today · 4.125%
HK$25,828
baseline
▲ 0.50% · 4.625%
HK$27,400
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,656/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,038
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,763
−HK$736/mo
Today · 4.125%
HK$28,499
baseline
▲ 0.50% · 4.625%
HK$30,001
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,998/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,231 · 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).