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$13,496
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$427/mo
Today · 4.125%
HK$14,342
baseline
▲ 0.50% · 4.625%
HK$15,215
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,684/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,014
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$409/mo
Today · 4.125%
HK$15,825
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,650/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,195
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,699
−HK$511/mo
Today · 4.125%
HK$17,210
baseline
▲ 0.50% · 4.625%
HK$18,258
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,420/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,017
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,500
−HK$490/mo
Today · 4.125%
HK$18,990
baseline
▲ 0.50% · 4.625%
HK$19,991
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,980/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,894
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,482
−HK$597/mo
Today · 4.125%
HK$20,079
baseline
▲ 0.50% · 4.625%
HK$21,300
+HK$1,221/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,158/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,019
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,583
−HK$572/mo
Today · 4.125%
HK$22,155
baseline
▲ 0.50% · 4.625%
HK$23,323
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,310/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,292
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,048
−HK$768/mo
Today · 4.125%
HK$25,816
baseline
▲ 0.50% · 4.625%
HK$27,386
+HK$1,570/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,632/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,025
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,750
−HK$735/mo
Today · 4.125%
HK$28,485
baseline
▲ 0.50% · 4.625%
HK$29,986
+HK$1,501/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,970/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,166 · 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).