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$13,490
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,910
−HK$426/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,209
+HK$873/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,672/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,008
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,410
−HK$409/mo
Today · 4.125%
HK$15,819
baseline
▲ 0.50% · 4.625%
HK$16,652
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,638/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,188
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$511/mo
Today · 4.125%
HK$17,203
baseline
▲ 0.50% · 4.625%
HK$18,250
+HK$1,047/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$34,406/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,009
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,492
−HK$490/mo
Today · 4.125%
HK$18,982
baseline
▲ 0.50% · 4.625%
HK$19,983
+HK$1,001/mo
Deposit HK$2.37M · loan HK$3.55M · min. income ≈ HK$37,964/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,886
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$597/mo
Today · 4.125%
HK$20,071
baseline
▲ 0.50% · 4.625%
HK$21,292
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,142/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,011
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,574
−HK$572/mo
Today · 4.125%
HK$22,146
baseline
▲ 0.50% · 4.625%
HK$23,313
+HK$1,167/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,292/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,282
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$767/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,375
+HK$1,570/mo
Deposit HK$592K · loan HK$5.32M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,739
−HK$735/mo
Today · 4.125%
HK$28,474
baseline
▲ 0.50% · 4.625%
HK$29,974
+HK$1,500/mo
Deposit HK$592K · loan HK$5.32M · min. income ≈ HK$56,948/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$133,113 · 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).