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$13,505
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,925
−HK$427/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,225
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,704/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,024
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,427
−HK$409/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,671
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,672/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,206
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,710
−HK$513/mo
Today · 4.125%
HK$17,223
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,446/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,029
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,513
−HK$490/mo
Today · 4.125%
HK$19,003
baseline
▲ 0.50% · 4.625%
HK$20,005
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,006/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,907
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$598/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,316
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,034
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$573/mo
Today · 4.125%
HK$22,171
baseline
▲ 0.50% · 4.625%
HK$23,339
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,342/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,309
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,066
−HK$768/mo
Today · 4.125%
HK$25,834
baseline
▲ 0.50% · 4.625%
HK$27,406
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,668/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,044
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,769
−HK$736/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,008
+HK$1,503/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,260 · 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).