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$13,510
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,930
−HK$427/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,231
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,714/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,030
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$409/mo
Today · 4.125%
HK$15,842
baseline
▲ 0.50% · 4.625%
HK$16,677
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,684/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,212
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,716
−HK$512/mo
Today · 4.125%
HK$17,228
baseline
▲ 0.50% · 4.625%
HK$18,277
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,456/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,036
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,519
−HK$491/mo
Today · 4.125%
HK$19,010
baseline
▲ 0.50% · 4.625%
HK$20,012
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,020/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,914
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,502
−HK$598/mo
Today · 4.125%
HK$20,100
baseline
▲ 0.50% · 4.625%
HK$21,323
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,200/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,041
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$572/mo
Today · 4.125%
HK$22,178
baseline
▲ 0.50% · 4.625%
HK$23,347
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,356/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,318
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,074
−HK$769/mo
Today · 4.125%
HK$25,843
baseline
▲ 0.50% · 4.625%
HK$27,415
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,686/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,053
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,779
−HK$736/mo
Today · 4.125%
HK$28,515
baseline
▲ 0.50% · 4.625%
HK$30,018
+HK$1,503/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,030/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,307 · 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).