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$845/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$426/mo
Today · 4.125%
HK$14,327
baseline
▲ 0.50% · 4.625%
HK$15,199
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,654/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,998
−HK$811/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$133,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,178
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$512/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,386/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,030 · 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$19,970
+HK$999/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,942/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,875
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,462
−HK$596/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$571/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,299
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$767/mo
Today · 4.125%
HK$25,789
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,578/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,997
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$735/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$133,030 · 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).