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$13,521
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,941
−HK$427/mo
Today · 4.125%
HK$14,368
baseline
▲ 0.50% · 4.625%
HK$15,243
+HK$875/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,736/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,042
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,445
−HK$409/mo
Today · 4.125%
HK$15,854
baseline
▲ 0.50% · 4.625%
HK$16,690
+HK$836/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,708/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,225
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,729
−HK$513/mo
Today · 4.125%
HK$17,242
baseline
▲ 0.50% · 4.625%
HK$18,291
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,484/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,050
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,534
−HK$491/mo
Today · 4.125%
HK$19,025
baseline
▲ 0.50% · 4.625%
HK$20,028
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,050/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,929
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,518
−HK$598/mo
Today · 4.125%
HK$20,116
baseline
▲ 0.50% · 4.625%
HK$21,340
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,232/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,058
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$573/mo
Today · 4.125%
HK$22,196
baseline
▲ 0.50% · 4.625%
HK$23,366
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,392/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,337
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,094
−HK$769/mo
Today · 4.125%
HK$25,863
baseline
▲ 0.50% · 4.625%
HK$27,437
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,726/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,075
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,801
−HK$736/mo
Today · 4.125%
HK$28,537
baseline
▲ 0.50% · 4.625%
HK$30,042
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,074/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,412 · 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).