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$13,479
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,898
−HK$426/mo
Today · 4.125%
HK$14,324
baseline
▲ 0.50% · 4.625%
HK$15,195
+HK$871/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,648/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,995
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,397
−HK$408/mo
Today · 4.125%
HK$15,805
baseline
▲ 0.50% · 4.625%
HK$16,638
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,610/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$132,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,174
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,677
−HK$512/mo
Today · 4.125%
HK$17,189
baseline
▲ 0.50% · 4.625%
HK$18,234
+HK$1,045/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,378/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,994
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,476
−HK$490/mo
Today · 4.125%
HK$18,966
baseline
▲ 0.50% · 4.625%
HK$19,966
+HK$1,000/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,932/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$132,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,870
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$596/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,274
+HK$1,221/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,556
−HK$571/mo
Today · 4.125%
HK$22,127
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,254/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$132,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,261
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,016
−HK$767/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,991
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$734/mo
Today · 4.125%
HK$28,449
baseline
▲ 0.50% · 4.625%
HK$29,948
+HK$1,499/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,898/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$132,998 · 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).