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$13,482
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$427/mo
Today · 4.125%
HK$14,328
baseline
▲ 0.50% · 4.625%
HK$15,199
+HK$871/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,656/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,999
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$408/mo
Today · 4.125%
HK$15,809
baseline
▲ 0.50% · 4.625%
HK$16,642
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,618/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,179
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,682
−HK$511/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$1,046/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,386/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,998
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,481
−HK$490/mo
Today · 4.125%
HK$18,971
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,942/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,875
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$597/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$572/mo
Today · 4.125%
HK$22,133
baseline
▲ 0.50% · 4.625%
HK$23,299
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,266/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,268
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$767/mo
Today · 4.125%
HK$25,790
baseline
▲ 0.50% · 4.625%
HK$27,359
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,580/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$734/mo
Today · 4.125%
HK$28,456
baseline
▲ 0.50% · 4.625%
HK$29,956
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,912/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,033 · 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).