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$13,483
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$426/mo
Today · 4.125%
HK$14,329
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,658/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,000
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,402
−HK$408/mo
Today · 4.125%
HK$15,810
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,620/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,180
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,683
−HK$512/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,241
+HK$1,046/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,000
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,483
−HK$490/mo
Today · 4.125%
HK$18,973
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,946/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,877
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,464
−HK$596/mo
Today · 4.125%
HK$20,060
baseline
▲ 0.50% · 4.625%
HK$21,281
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,120/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,000
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,563
−HK$572/mo
Today · 4.125%
HK$22,135
baseline
▲ 0.50% · 4.625%
HK$23,301
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,270/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,270
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$767/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,361
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,000
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$735/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$29,959
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,045 · 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).