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$13,484
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$427/mo
Today · 4.125%
HK$14,330
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$871/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,660/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,001
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,403
−HK$408/mo
Today · 4.125%
HK$15,811
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,622/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,181
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,684
−HK$511/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,001
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,484
−HK$489/mo
Today · 4.125%
HK$18,973
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,946/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,878
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,465
−HK$596/mo
Today · 4.125%
HK$20,061
baseline
▲ 0.50% · 4.625%
HK$21,282
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,122/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,001
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,564
−HK$572/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,302
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$767/mo
Today · 4.125%
HK$25,793
baseline
▲ 0.50% · 4.625%
HK$27,363
+HK$1,570/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,586/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,001
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,726
−HK$734/mo
Today · 4.125%
HK$28,460
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,920/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,051 · 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).