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$13,507
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,927
−HK$427/mo
Today · 4.125%
HK$14,354
baseline
▲ 0.50% · 4.625%
HK$15,227
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,708/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,026
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,429
−HK$409/mo
Today · 4.125%
HK$15,838
baseline
▲ 0.50% · 4.625%
HK$16,673
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,676/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,208
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,712
−HK$512/mo
Today · 4.125%
HK$17,224
baseline
▲ 0.50% · 4.625%
HK$18,273
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,448/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,031
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,515
−HK$491/mo
Today · 4.125%
HK$19,006
baseline
▲ 0.50% · 4.625%
HK$20,007
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,012/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,909
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,498
−HK$597/mo
Today · 4.125%
HK$20,095
baseline
▲ 0.50% · 4.625%
HK$21,318
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,190/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,037
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,601
−HK$572/mo
Today · 4.125%
HK$22,173
baseline
▲ 0.50% · 4.625%
HK$23,342
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,346/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,312
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,068
−HK$769/mo
Today · 4.125%
HK$25,837
baseline
▲ 0.50% · 4.625%
HK$27,409
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,674/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,047
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,772
−HK$736/mo
Today · 4.125%
HK$28,508
baseline
▲ 0.50% · 4.625%
HK$30,011
+HK$1,503/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,016/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,276 · 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).