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$13,516
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$427/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,036
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,440
−HK$409/mo
Today · 4.125%
HK$15,849
baseline
▲ 0.50% · 4.625%
HK$16,684
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,698/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,219
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$512/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,285
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,044
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,527
−HK$491/mo
Today · 4.125%
HK$19,018
baseline
▲ 0.50% · 4.625%
HK$20,021
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,036/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,922
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,511
−HK$598/mo
Today · 4.125%
HK$20,109
baseline
▲ 0.50% · 4.625%
HK$21,332
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,218/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,615
−HK$573/mo
Today · 4.125%
HK$22,188
baseline
▲ 0.50% · 4.625%
HK$23,358
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,376/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,329
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$769/mo
Today · 4.125%
HK$25,854
baseline
▲ 0.50% · 4.625%
HK$27,427
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,708/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,065
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,791
−HK$737/mo
Today · 4.125%
HK$28,528
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,503/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,056/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,366 · 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).