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$13,487
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,906
−HK$426/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,204
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,664/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,004
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,406
−HK$408/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,628/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,184
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,687
−HK$512/mo
Today · 4.125%
HK$17,199
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$1,046/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,398/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,004
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,487
−HK$490/mo
Today · 4.125%
HK$18,977
baseline
▲ 0.50% · 4.625%
HK$19,977
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,954/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,881
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,468
−HK$597/mo
Today · 4.125%
HK$20,065
baseline
▲ 0.50% · 4.625%
HK$21,286
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,130/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,568
−HK$572/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,307
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,276
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,031
−HK$767/mo
Today · 4.125%
HK$25,798
baseline
▲ 0.50% · 4.625%
HK$27,368
+HK$1,570/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,596/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,007
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,731
−HK$735/mo
Today · 4.125%
HK$28,466
baseline
▲ 0.50% · 4.625%
HK$29,966
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,932/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,076 · 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).