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$133,316 · 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$133,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,213
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,717
−HK$513/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$133,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,037
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$490/mo
Today · 4.125%
HK$19,011
baseline
▲ 0.50% · 4.625%
HK$20,013
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,022/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,915
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,504
−HK$597/mo
Today · 4.125%
HK$20,101
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,202/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,043
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$573/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$133,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,319
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,076
−HK$769/mo
Today · 4.125%
HK$25,845
baseline
▲ 0.50% · 4.625%
HK$27,417
+HK$1,572/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$133,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,055
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,781
−HK$736/mo
Today · 4.125%
HK$28,517
baseline
▲ 0.50% · 4.625%
HK$30,020
+HK$1,503/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,034/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,316 · 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).