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$13,483
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,902
−HK$426/mo
Today · 4.125%
HK$14,328
baseline
▲ 0.50% · 4.625%
HK$15,200
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,656/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,999
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$409/mo
Today · 4.125%
HK$15,810
baseline
▲ 0.50% · 4.625%
HK$16,643
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,620/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,179
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,682
−HK$512/mo
Today · 4.125%
HK$17,194
baseline
▲ 0.50% · 4.625%
HK$18,240
+HK$1,046/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,388/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,999
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,482
−HK$489/mo
Today · 4.125%
HK$18,971
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,000/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,942/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,876
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$596/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,999
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,562
−HK$571/mo
Today · 4.125%
HK$22,133
baseline
▲ 0.50% · 4.625%
HK$23,300
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,266/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,269
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$767/mo
Today · 4.125%
HK$25,790
baseline
▲ 0.50% · 4.625%
HK$27,360
+HK$1,570/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,580/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,723
−HK$734/mo
Today · 4.125%
HK$28,457
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,914/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,037 · 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).