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$13,518
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$427/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,732/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,039
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$409/mo
Today · 4.125%
HK$15,852
baseline
▲ 0.50% · 4.625%
HK$16,687
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,704/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,222
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$512/mo
Today · 4.125%
HK$17,239
baseline
▲ 0.50% · 4.625%
HK$18,288
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,478/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,047
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,531
−HK$491/mo
Today · 4.125%
HK$19,022
baseline
▲ 0.50% · 4.625%
HK$20,025
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,044/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,926
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$598/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,055
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,620
−HK$572/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,362
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,333
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,090
−HK$769/mo
Today · 4.125%
HK$25,859
baseline
▲ 0.50% · 4.625%
HK$27,433
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,718/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,071
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,797
−HK$736/mo
Today · 4.125%
HK$28,533
baseline
▲ 0.50% · 4.625%
HK$30,037
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,066/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,392 · 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).