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$13,474
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,893
−HK$426/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,190
+HK$871/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$28,638/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,990
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$407/mo
Today · 4.125%
HK$15,799
baseline
▲ 0.50% · 4.625%
HK$16,632
+HK$833/mo
Deposit HK$2.95M · loan HK$2.95M · min. income ≈ HK$31,598/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,169
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$511/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,228
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,366/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,987
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,470
−HK$489/mo
Today · 4.125%
HK$18,959
baseline
▲ 0.50% · 4.625%
HK$19,959
+HK$1,000/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,918/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,863
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,450
−HK$596/mo
Today · 4.125%
HK$20,046
baseline
▲ 0.50% · 4.625%
HK$21,266
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,092/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,985
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$571/mo
Today · 4.125%
HK$22,119
baseline
▲ 0.50% · 4.625%
HK$23,285
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,238/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,253
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,007
−HK$767/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,342
+HK$1,568/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,705
−HK$734/mo
Today · 4.125%
HK$28,439
baseline
▲ 0.50% · 4.625%
HK$29,938
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,878/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,951 · 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).