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$13,492
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$427/mo
Today · 4.125%
HK$14,339
baseline
▲ 0.50% · 4.625%
HK$15,211
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,678/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,010
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,413
−HK$408/mo
Today · 4.125%
HK$15,821
baseline
▲ 0.50% · 4.625%
HK$16,655
+HK$834/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,642/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,191
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,695
−HK$511/mo
Today · 4.125%
HK$17,206
baseline
▲ 0.50% · 4.625%
HK$18,253
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,412/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,012
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,495
−HK$490/mo
Today · 4.125%
HK$18,985
baseline
▲ 0.50% · 4.625%
HK$19,986
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,970/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,889
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$597/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,295
+HK$1,221/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,014
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,578
−HK$572/mo
Today · 4.125%
HK$22,150
baseline
▲ 0.50% · 4.625%
HK$23,317
+HK$1,167/mo
Deposit HK$1.78M · loan HK$4.14M · min. income ≈ HK$44,300/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$767/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,380
+HK$1,571/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,018
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$735/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$29,979
+HK$1,501/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,135 · 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).