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$13,524
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$427/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,247
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,744/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,045
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$409/mo
Today · 4.125%
HK$15,858
baseline
▲ 0.50% · 4.625%
HK$16,694
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,716/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,229
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$513/mo
Today · 4.125%
HK$17,247
baseline
▲ 0.50% · 4.625%
HK$18,296
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,494/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,054
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,539
−HK$491/mo
Today · 4.125%
HK$19,030
baseline
▲ 0.50% · 4.625%
HK$20,033
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,060/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,934
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$598/mo
Today · 4.125%
HK$20,121
baseline
▲ 0.50% · 4.625%
HK$21,345
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,242/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,063
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,628
−HK$573/mo
Today · 4.125%
HK$22,201
baseline
▲ 0.50% · 4.625%
HK$23,372
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,402/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,343
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$770/mo
Today · 4.125%
HK$25,870
baseline
▲ 0.50% · 4.625%
HK$27,444
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,740/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,082
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,808
−HK$737/mo
Today · 4.125%
HK$28,545
baseline
▲ 0.50% · 4.625%
HK$30,049
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,090/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,446 · 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).