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$13,501
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,921
−HK$426/mo
Today · 4.125%
HK$14,347
baseline
▲ 0.50% · 4.625%
HK$15,221
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,694/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,020
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,422
−HK$409/mo
Today · 4.125%
HK$15,831
baseline
▲ 0.50% · 4.625%
HK$16,666
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,662/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,201
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$512/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,265
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,024
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$490/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$19,999
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,901
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,489
−HK$597/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,309
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,027
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,591
−HK$572/mo
Today · 4.125%
HK$22,163
baseline
▲ 0.50% · 4.625%
HK$23,332
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,326/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,302
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,057
−HK$768/mo
Today · 4.125%
HK$25,825
baseline
▲ 0.50% · 4.625%
HK$27,397
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,650/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,035
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$736/mo
Today · 4.125%
HK$28,496
baseline
▲ 0.50% · 4.625%
HK$29,998
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,992/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,218 · 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).