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$13,481
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,900
−HK$426/mo
Today · 4.125%
HK$14,326
baseline
▲ 0.50% · 4.625%
HK$15,198
+HK$872/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,652/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,998
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$408/mo
Today · 4.125%
HK$15,808
baseline
▲ 0.50% · 4.625%
HK$16,641
+HK$833/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,616/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$133,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,177
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,680
−HK$512/mo
Today · 4.125%
HK$17,192
baseline
▲ 0.50% · 4.625%
HK$18,238
+HK$1,046/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$34,384/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,997
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$489/mo
Today · 4.125%
HK$18,969
baseline
▲ 0.50% · 4.625%
HK$19,969
+HK$1,000/mo
Deposit HK$2.36M · loan HK$3.55M · min. income ≈ HK$37,938/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,873
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$596/mo
Today · 4.125%
HK$20,057
baseline
▲ 0.50% · 4.625%
HK$21,277
+HK$1,220/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$40,114/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$571/mo
Today · 4.125%
HK$22,131
baseline
▲ 0.50% · 4.625%
HK$23,297
+HK$1,166/mo
Deposit HK$1.77M · loan HK$4.14M · min. income ≈ HK$44,262/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,266
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$767/mo
Today · 4.125%
HK$25,788
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,569/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$51,576/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,996
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,720
−HK$734/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,500/mo
Deposit HK$591K · loan HK$5.32M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$133,022 · 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).