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$13,518
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$427/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,732/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,039
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,442
−HK$409/mo
Today · 4.125%
HK$15,851
baseline
▲ 0.50% · 4.625%
HK$16,687
+HK$836/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,702/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,222
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,726
−HK$513/mo
Today · 4.125%
HK$17,239
baseline
▲ 0.50% · 4.625%
HK$18,288
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,478/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,046
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,530
−HK$491/mo
Today · 4.125%
HK$19,021
baseline
▲ 0.50% · 4.625%
HK$20,024
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,042/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,925
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,514
−HK$598/mo
Today · 4.125%
HK$20,112
baseline
▲ 0.50% · 4.625%
HK$21,336
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,224/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,054
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,619
−HK$573/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,361
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,332
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,089
−HK$769/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,432
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,070
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,796
−HK$736/mo
Today · 4.125%
HK$28,532
baseline
▲ 0.50% · 4.625%
HK$30,036
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,064/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,387 · 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).