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$13,514
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,935
−HK$427/mo
Today · 4.125%
HK$14,362
baseline
▲ 0.50% · 4.625%
HK$15,236
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,724/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,035
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,438
−HK$409/mo
Today · 4.125%
HK$15,847
baseline
▲ 0.50% · 4.625%
HK$16,682
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,694/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,217
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,722
−HK$512/mo
Today · 4.125%
HK$17,234
baseline
▲ 0.50% · 4.625%
HK$18,283
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,468/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,041
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,525
−HK$491/mo
Today · 4.125%
HK$19,016
baseline
▲ 0.50% · 4.625%
HK$20,019
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,032/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,920
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,509
−HK$598/mo
Today · 4.125%
HK$20,107
baseline
▲ 0.50% · 4.625%
HK$21,330
+HK$1,223/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,214/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,048
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$573/mo
Today · 4.125%
HK$22,186
baseline
▲ 0.50% · 4.625%
HK$23,355
+HK$1,169/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,372/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,326
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,082
−HK$769/mo
Today · 4.125%
HK$25,851
baseline
▲ 0.50% · 4.625%
HK$27,424
+HK$1,573/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$51,702/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,062
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,788
−HK$736/mo
Today · 4.125%
HK$28,524
baseline
▲ 0.50% · 4.625%
HK$30,028
+HK$1,504/mo
Deposit HK$593K · loan HK$5.33M · min. income ≈ HK$57,048/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,351 · 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).