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$13,487
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,907
−HK$426/mo
Today · 4.125%
HK$14,333
baseline
▲ 0.50% · 4.625%
HK$15,205
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,666/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,005
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,407
−HK$408/mo
Today · 4.125%
HK$15,815
baseline
▲ 0.50% · 4.625%
HK$16,649
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,630/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,185
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,688
−HK$512/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,246
+HK$1,046/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,005
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$490/mo
Today · 4.125%
HK$18,978
baseline
▲ 0.50% · 4.625%
HK$19,979
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,956/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,882
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,470
−HK$596/mo
Today · 4.125%
HK$20,066
baseline
▲ 0.50% · 4.625%
HK$21,287
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,132/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,006
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,570
−HK$571/mo
Today · 4.125%
HK$22,141
baseline
▲ 0.50% · 4.625%
HK$23,308
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,282/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,277
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,032
−HK$768/mo
Today · 4.125%
HK$25,800
baseline
▲ 0.50% · 4.625%
HK$27,370
+HK$1,570/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,600/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,008
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,733
−HK$734/mo
Today · 4.125%
HK$28,467
baseline
▲ 0.50% · 4.625%
HK$29,968
+HK$1,501/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,934/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,085 · 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).