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$13,486
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$427/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,204
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,664/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,003
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$409/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,647
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,628/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,687
−HK$511/mo
Today · 4.125%
HK$17,198
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$1,046/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,396/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,004
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$490/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$19,977
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,468
−HK$596/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,285
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,004
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,568
−HK$571/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,275
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,030
−HK$767/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,367
+HK$1,570/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,005
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,730
−HK$734/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$29,965
+HK$1,501/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,071 · 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).