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$13,517
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,937
−HK$428/mo
Today · 4.125%
HK$14,365
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,730/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,038
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$409/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,700/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,220
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,725
−HK$513/mo
Today · 4.125%
HK$17,238
baseline
▲ 0.50% · 4.625%
HK$18,286
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,476/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,045
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,529
−HK$491/mo
Today · 4.125%
HK$19,020
baseline
▲ 0.50% · 4.625%
HK$20,023
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,040/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,924
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,512
−HK$598/mo
Today · 4.125%
HK$20,110
baseline
▲ 0.50% · 4.625%
HK$21,334
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,220/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,053
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,617
−HK$573/mo
Today · 4.125%
HK$22,190
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,380/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,331
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,087
−HK$769/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,430
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,793
−HK$737/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,034
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,377 · 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).