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$13,494
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,914
−HK$426/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,213
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,680/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,012
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$408/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,657
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,646/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,193
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,697
−HK$511/mo
Today · 4.125%
HK$17,208
baseline
▲ 0.50% · 4.625%
HK$18,255
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,416/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,014
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$490/mo
Today · 4.125%
HK$18,988
baseline
▲ 0.50% · 4.625%
HK$19,989
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,976/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,892
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$597/mo
Today · 4.125%
HK$20,076
baseline
▲ 0.50% · 4.625%
HK$21,298
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,152/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,017
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,580
−HK$572/mo
Today · 4.125%
HK$22,152
baseline
▲ 0.50% · 4.625%
HK$23,320
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,304/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,289
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,045
−HK$767/mo
Today · 4.125%
HK$25,812
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,571/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,624/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,746
−HK$736/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,501/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,151 · 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).