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$13,503
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,923
−HK$426/mo
Today · 4.125%
HK$14,349
baseline
▲ 0.50% · 4.625%
HK$15,223
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,698/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,022
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$408/mo
Today · 4.125%
HK$15,833
baseline
▲ 0.50% · 4.625%
HK$16,668
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,666/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,203
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$512/mo
Today · 4.125%
HK$17,219
baseline
▲ 0.50% · 4.625%
HK$18,267
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,438/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,026
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$491/mo
Today · 4.125%
HK$19,000
baseline
▲ 0.50% · 4.625%
HK$20,001
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,000/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,904
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$597/mo
Today · 4.125%
HK$20,089
baseline
▲ 0.50% · 4.625%
HK$21,312
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,178/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,030
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$573/mo
Today · 4.125%
HK$22,167
baseline
▲ 0.50% · 4.625%
HK$23,335
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,334/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,305
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,061
−HK$768/mo
Today · 4.125%
HK$25,829
baseline
▲ 0.50% · 4.625%
HK$27,401
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,658/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,039
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,764
−HK$736/mo
Today · 4.125%
HK$28,500
baseline
▲ 0.50% · 4.625%
HK$30,002
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,000/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,236 · 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).