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$13,478
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$426/mo
Today · 4.125%
HK$14,323
baseline
▲ 0.50% · 4.625%
HK$15,195
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,646/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,994
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,396
−HK$408/mo
Today · 4.125%
HK$15,804
baseline
▲ 0.50% · 4.625%
HK$16,637
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,608/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,174
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,677
−HK$511/mo
Today · 4.125%
HK$17,188
baseline
▲ 0.50% · 4.625%
HK$18,234
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,376/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,993
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,476
−HK$489/mo
Today · 4.125%
HK$18,965
baseline
▲ 0.50% · 4.625%
HK$19,965
+HK$1,000/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,930/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,869
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,456
−HK$597/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,992
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$571/mo
Today · 4.125%
HK$22,126
baseline
▲ 0.50% · 4.625%
HK$23,292
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,252/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,261
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$767/mo
Today · 4.125%
HK$25,782
baseline
▲ 0.50% · 4.625%
HK$27,351
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,564/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,990
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$735/mo
Today · 4.125%
HK$28,448
baseline
▲ 0.50% · 4.625%
HK$29,947
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,896/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,993 · 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).