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$13,498
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,918
−HK$426/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,217
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,688/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,016
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,419
−HK$408/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,662
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,654/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,197
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$512/mo
Today · 4.125%
HK$17,213
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,426/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,019
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$490/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$19,994
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,897
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,485
−HK$597/mo
Today · 4.125%
HK$20,082
baseline
▲ 0.50% · 4.625%
HK$21,304
+HK$1,222/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,164/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,023
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,586
−HK$572/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,326
+HK$1,168/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,296
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$768/mo
Today · 4.125%
HK$25,820
baseline
▲ 0.50% · 4.625%
HK$27,391
+HK$1,571/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,640/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,029
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,754
−HK$735/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$29,991
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,187 · 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).