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$13,495
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$426/mo
Today · 4.125%
HK$14,341
baseline
▲ 0.50% · 4.625%
HK$15,214
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,682/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,013
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$408/mo
Today · 4.125%
HK$15,824
baseline
▲ 0.50% · 4.625%
HK$16,658
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,648/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,194
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,698
−HK$512/mo
Today · 4.125%
HK$17,210
baseline
▲ 0.50% · 4.625%
HK$18,257
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,420/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,016
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,499
−HK$490/mo
Today · 4.125%
HK$18,989
baseline
▲ 0.50% · 4.625%
HK$19,990
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,978/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,893
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,481
−HK$597/mo
Today · 4.125%
HK$20,078
baseline
▲ 0.50% · 4.625%
HK$21,300
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,156/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,019
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$572/mo
Today · 4.125%
HK$22,154
baseline
▲ 0.50% · 4.625%
HK$23,322
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,308/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,291
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$768/mo
Today · 4.125%
HK$25,815
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,570/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,630/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,024
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$735/mo
Today · 4.125%
HK$28,484
baseline
▲ 0.50% · 4.625%
HK$29,985
+HK$1,501/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,968/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,162 · 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).