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$13,541
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$428/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,265
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,780/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,064
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$410/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,249
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,754
−HK$514/mo
Today · 4.125%
HK$17,268
baseline
▲ 0.50% · 4.625%
HK$18,318
+HK$1,050/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,536/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,076
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$492/mo
Today · 4.125%
HK$19,053
baseline
▲ 0.50% · 4.625%
HK$20,057
+HK$1,004/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,106/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,546
−HK$599/mo
Today · 4.125%
HK$20,145
baseline
▲ 0.50% · 4.625%
HK$21,371
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,290/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,089
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,655
−HK$574/mo
Today · 4.125%
HK$22,229
baseline
▲ 0.50% · 4.625%
HK$23,400
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,458/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$770/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,576/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,115
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,842
−HK$738/mo
Today · 4.125%
HK$28,580
baseline
▲ 0.50% · 4.625%
HK$30,086
+HK$1,506/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,160/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,609 · 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).