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$13,500
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,920
−HK$426/mo
Today · 4.125%
HK$14,346
baseline
▲ 0.50% · 4.625%
HK$15,219
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,692/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,018
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$409/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,664
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,660/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,200
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,704
−HK$512/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,263
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,432/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,022
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,505
−HK$491/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$19,997
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,992/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,900
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$597/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,590
−HK$572/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,300
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,056
−HK$768/mo
Today · 4.125%
HK$25,824
baseline
▲ 0.50% · 4.625%
HK$27,395
+HK$1,571/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,648/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,033
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$736/mo
Today · 4.125%
HK$28,494
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,988/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,208 · 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).