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$13,509
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$427/mo
Today · 4.125%
HK$14,356
baseline
▲ 0.50% · 4.625%
HK$15,230
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,712/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,029
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,432
−HK$409/mo
Today · 4.125%
HK$15,841
baseline
▲ 0.50% · 4.625%
HK$16,676
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,682/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,211
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,715
−HK$513/mo
Today · 4.125%
HK$17,228
baseline
▲ 0.50% · 4.625%
HK$18,276
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,456/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,035
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,518
−HK$491/mo
Today · 4.125%
HK$19,009
baseline
▲ 0.50% · 4.625%
HK$20,011
+HK$1,002/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$38,018/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,913
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,501
−HK$598/mo
Today · 4.125%
HK$20,099
baseline
▲ 0.50% · 4.625%
HK$21,322
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,198/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,040
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,605
−HK$572/mo
Today · 4.125%
HK$22,177
baseline
▲ 0.50% · 4.625%
HK$23,346
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,354/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,317
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$768/mo
Today · 4.125%
HK$25,841
baseline
▲ 0.50% · 4.625%
HK$27,414
+HK$1,573/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$51,682/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,052
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,777
−HK$737/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,016
+HK$1,502/mo
Deposit HK$592K · loan HK$5.33M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,300 · 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).