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$13,499
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,919
−HK$426/mo
Today · 4.125%
HK$14,345
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,690/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,017
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,420
−HK$409/mo
Today · 4.125%
HK$15,829
baseline
▲ 0.50% · 4.625%
HK$16,663
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,658/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,199
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,703
−HK$511/mo
Today · 4.125%
HK$17,214
baseline
▲ 0.50% · 4.625%
HK$18,262
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,428/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,021
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,504
−HK$490/mo
Today · 4.125%
HK$18,994
baseline
▲ 0.50% · 4.625%
HK$19,996
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,988/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,898
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,486
−HK$598/mo
Today · 4.125%
HK$20,084
baseline
▲ 0.50% · 4.625%
HK$21,306
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,168/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,588
−HK$572/mo
Today · 4.125%
HK$22,160
baseline
▲ 0.50% · 4.625%
HK$23,328
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,320/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,298
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,054
−HK$768/mo
Today · 4.125%
HK$25,822
baseline
▲ 0.50% · 4.625%
HK$27,393
+HK$1,571/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,644/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,031
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,756
−HK$736/mo
Today · 4.125%
HK$28,492
baseline
▲ 0.50% · 4.625%
HK$29,994
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,984/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,198 · 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).