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$13,508
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$427/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,228
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,027
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,430
−HK$409/mo
Today · 4.125%
HK$15,839
baseline
▲ 0.50% · 4.625%
HK$16,674
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,678/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,209
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,713
−HK$512/mo
Today · 4.125%
HK$17,225
baseline
▲ 0.50% · 4.625%
HK$18,274
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,450/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,032
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,516
−HK$491/mo
Today · 4.125%
HK$19,007
baseline
▲ 0.50% · 4.625%
HK$20,008
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,014/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,911
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,499
−HK$597/mo
Today · 4.125%
HK$20,096
baseline
▲ 0.50% · 4.625%
HK$21,319
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,192/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,038
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,602
−HK$572/mo
Today · 4.125%
HK$22,174
baseline
▲ 0.50% · 4.625%
HK$23,343
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,348/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,314
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,070
−HK$768/mo
Today · 4.125%
HK$25,838
baseline
▲ 0.50% · 4.625%
HK$27,410
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,676/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,049
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,774
−HK$736/mo
Today · 4.125%
HK$28,510
baseline
▲ 0.50% · 4.625%
HK$30,013
+HK$1,503/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,020/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,283 · 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).