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$13,486
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$426/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,203
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,662/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,003
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$408/mo
Today · 4.125%
HK$15,813
baseline
▲ 0.50% · 4.625%
HK$16,647
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,626/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$512/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$1,046/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,396/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,003
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$490/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$597/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,285
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,004
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$572/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,274
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$768/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,366
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,005
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,729
−HK$735/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,068 · 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).