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$13,484
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,904
−HK$426/mo
Today · 4.125%
HK$14,330
baseline
▲ 0.50% · 4.625%
HK$15,202
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,660/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,001
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,404
−HK$408/mo
Today · 4.125%
HK$15,812
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,624/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,181
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,685
−HK$511/mo
Today · 4.125%
HK$17,196
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$1,046/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,392/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,001
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,484
−HK$490/mo
Today · 4.125%
HK$18,974
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,948/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,878
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,465
−HK$597/mo
Today · 4.125%
HK$20,062
baseline
▲ 0.50% · 4.625%
HK$21,283
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,124/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,002
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,565
−HK$571/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,303
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,272
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,027
−HK$767/mo
Today · 4.125%
HK$25,794
baseline
▲ 0.50% · 4.625%
HK$27,363
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,588/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,002
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,726
−HK$735/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$29,961
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,922/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,055 · 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).