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$13,511
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,931
−HK$427/mo
Today · 4.125%
HK$14,358
baseline
▲ 0.50% · 4.625%
HK$15,232
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,716/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,031
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,434
−HK$409/mo
Today · 4.125%
HK$15,843
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,686/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,213
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,718
−HK$512/mo
Today · 4.125%
HK$17,230
baseline
▲ 0.50% · 4.625%
HK$18,278
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,460/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,037
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$491/mo
Today · 4.125%
HK$19,012
baseline
▲ 0.50% · 4.625%
HK$20,014
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,024/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,916
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,504
−HK$598/mo
Today · 4.125%
HK$20,102
baseline
▲ 0.50% · 4.625%
HK$21,325
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,204/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,043
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,608
−HK$572/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,349
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,360/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,320
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,077
−HK$768/mo
Today · 4.125%
HK$25,845
baseline
▲ 0.50% · 4.625%
HK$27,418
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,690/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,056
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,781
−HK$737/mo
Today · 4.125%
HK$28,518
baseline
▲ 0.50% · 4.625%
HK$30,021
+HK$1,503/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,036/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,319 · 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).