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$13,513
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$427/mo
Today · 4.125%
HK$14,360
baseline
▲ 0.50% · 4.625%
HK$15,234
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,720/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,033
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,436
−HK$409/mo
Today · 4.125%
HK$15,845
baseline
▲ 0.50% · 4.625%
HK$16,680
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,690/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,215
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,720
−HK$512/mo
Today · 4.125%
HK$17,232
baseline
▲ 0.50% · 4.625%
HK$18,281
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,464/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,040
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$491/mo
Today · 4.125%
HK$19,014
baseline
▲ 0.50% · 4.625%
HK$20,016
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,028/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,918
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$598/mo
Today · 4.125%
HK$20,104
baseline
▲ 0.50% · 4.625%
HK$21,328
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,208/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,046
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$572/mo
Today · 4.125%
HK$22,183
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,366/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$768/mo
Today · 4.125%
HK$25,848
baseline
▲ 0.50% · 4.625%
HK$27,421
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,696/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,059
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$736/mo
Today · 4.125%
HK$28,521
baseline
▲ 0.50% · 4.625%
HK$30,025
+HK$1,504/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,042/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,336 · 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).