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$13,567
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,989
−HK$429/mo
Today · 4.125%
HK$14,418
baseline
▲ 0.50% · 4.625%
HK$15,295
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,836/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,093
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,498
−HK$410/mo
Today · 4.125%
HK$15,908
baseline
▲ 0.50% · 4.625%
HK$16,747
+HK$839/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,816/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,280
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,787
−HK$514/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,354
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,602/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,112
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,597
−HK$493/mo
Today · 4.125%
HK$19,090
baseline
▲ 0.50% · 4.625%
HK$20,096
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,180/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,994
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$601/mo
Today · 4.125%
HK$20,185
baseline
▲ 0.50% · 4.625%
HK$21,413
+HK$1,228/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,370/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,130
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,697
−HK$575/mo
Today · 4.125%
HK$22,272
baseline
▲ 0.50% · 4.625%
HK$23,446
+HK$1,174/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,544/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,420
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,180
−HK$772/mo
Today · 4.125%
HK$25,952
baseline
▲ 0.50% · 4.625%
HK$27,531
+HK$1,579/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,904/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,167
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,896
−HK$739/mo
Today · 4.125%
HK$28,635
baseline
▲ 0.50% · 4.625%
HK$30,145
+HK$1,510/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,270/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,869 · 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).