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$13,561
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$428/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,288
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,822/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,086
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$410/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,740
+HK$839/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,802/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,273
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,779
−HK$514/mo
Today · 4.125%
HK$17,293
baseline
▲ 0.50% · 4.625%
HK$18,346
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,586/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,104
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,589
−HK$493/mo
Today · 4.125%
HK$19,082
baseline
▲ 0.50% · 4.625%
HK$20,087
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,164/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,576
−HK$600/mo
Today · 4.125%
HK$20,176
baseline
▲ 0.50% · 4.625%
HK$21,403
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,352/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,121
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$575/mo
Today · 4.125%
HK$22,262
baseline
▲ 0.50% · 4.625%
HK$23,435
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,524/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,410
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,169
−HK$771/mo
Today · 4.125%
HK$25,940
baseline
▲ 0.50% · 4.625%
HK$27,519
+HK$1,579/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,880/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,155
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,884
−HK$738/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,131
+HK$1,509/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,810 · 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).