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$13,545
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$428/mo
Today · 4.125%
HK$14,394
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,788/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,068
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,473
−HK$410/mo
Today · 4.125%
HK$15,883
baseline
▲ 0.50% · 4.625%
HK$16,720
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,766/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,254
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$514/mo
Today · 4.125%
HK$17,273
baseline
▲ 0.50% · 4.625%
HK$18,324
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,546/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,082
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$492/mo
Today · 4.125%
HK$19,059
baseline
▲ 0.50% · 4.625%
HK$20,064
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,118/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,553
−HK$599/mo
Today · 4.125%
HK$20,152
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,304/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,096
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$574/mo
Today · 4.125%
HK$22,236
baseline
▲ 0.50% · 4.625%
HK$23,408
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,472/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,381
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$771/mo
Today · 4.125%
HK$25,910
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,576/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,820/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,851
−HK$738/mo
Today · 4.125%
HK$28,589
baseline
▲ 0.50% · 4.625%
HK$30,096
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,178/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,651 · 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).