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$13,512
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,932
−HK$427/mo
Today · 4.125%
HK$14,359
baseline
▲ 0.50% · 4.625%
HK$15,233
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,718/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,032
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,435
−HK$409/mo
Today · 4.125%
HK$15,844
baseline
▲ 0.50% · 4.625%
HK$16,679
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,688/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,214
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,718
−HK$513/mo
Today · 4.125%
HK$17,231
baseline
▲ 0.50% · 4.625%
HK$18,279
+HK$1,048/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,462/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,038
−HK$974/mo
▼ 0.25% · 3.875%
HK$18,522
−HK$490/mo
Today · 4.125%
HK$19,012
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,024/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,916
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$598/mo
Today · 4.125%
HK$20,103
baseline
▲ 0.50% · 4.625%
HK$21,326
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,206/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,044
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,609
−HK$572/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,350
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,321
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,078
−HK$768/mo
Today · 4.125%
HK$25,846
baseline
▲ 0.50% · 4.625%
HK$27,419
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,692/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,057
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,783
−HK$736/mo
Today · 4.125%
HK$28,519
baseline
▲ 0.50% · 4.625%
HK$30,022
+HK$1,503/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,038/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,325 · 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).