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$13,488
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,908
−HK$426/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,668/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,006
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$408/mo
Today · 4.125%
HK$15,816
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,632/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,186
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,689
−HK$512/mo
Today · 4.125%
HK$17,201
baseline
▲ 0.50% · 4.625%
HK$18,248
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,402/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,007
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$490/mo
Today · 4.125%
HK$18,980
baseline
▲ 0.50% · 4.625%
HK$19,980
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,960/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,884
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,471
−HK$597/mo
Today · 4.125%
HK$20,068
baseline
▲ 0.50% · 4.625%
HK$21,289
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,136/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,008
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,571
−HK$572/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,310
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,279
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,034
−HK$767/mo
Today · 4.125%
HK$25,801
baseline
▲ 0.50% · 4.625%
HK$27,371
+HK$1,570/mo
Deposit HK$592K · loan HK$5.32M · min. income ≈ HK$51,602/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,010
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,734
−HK$735/mo
Today · 4.125%
HK$28,469
baseline
▲ 0.50% · 4.625%
HK$29,970
+HK$1,501/mo
Deposit HK$592K · loan HK$5.32M · min. income ≈ HK$56,938/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,093 · 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).