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$13,504
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,924
−HK$427/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,224
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,702/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,023
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$409/mo
Today · 4.125%
HK$15,835
baseline
▲ 0.50% · 4.625%
HK$16,670
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,670/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,205
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,709
−HK$512/mo
Today · 4.125%
HK$17,221
baseline
▲ 0.50% · 4.625%
HK$18,269
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,442/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,028
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,511
−HK$491/mo
Today · 4.125%
HK$19,002
baseline
▲ 0.50% · 4.625%
HK$20,004
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,004/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,906
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,494
−HK$597/mo
Today · 4.125%
HK$20,091
baseline
▲ 0.50% · 4.625%
HK$21,314
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,182/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,597
−HK$572/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,337
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,308
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,064
−HK$768/mo
Today · 4.125%
HK$25,832
baseline
▲ 0.50% · 4.625%
HK$27,404
+HK$1,572/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,664/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,042
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,767
−HK$736/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,005
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,250 · 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).