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$13,512
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$427/mo
Today · 4.125%
HK$14,360
baseline
▲ 0.50% · 4.625%
HK$15,233
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,720/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,032
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,435
−HK$409/mo
Today · 4.125%
HK$15,844
baseline
▲ 0.50% · 4.625%
HK$16,680
+HK$836/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,688/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,215
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$513/mo
Today · 4.125%
HK$17,232
baseline
▲ 0.50% · 4.625%
HK$18,280
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,464/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,039
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$490/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,016
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,917
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$597/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,327
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,045
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,610
−HK$572/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,351
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,364/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,322
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,079
−HK$768/mo
Today · 4.125%
HK$25,847
baseline
▲ 0.50% · 4.625%
HK$27,420
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,694/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,058
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,784
−HK$736/mo
Today · 4.125%
HK$28,520
baseline
▲ 0.50% · 4.625%
HK$30,023
+HK$1,503/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,040/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,330 · 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).