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$13,539
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$427/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,776/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,062
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,466
−HK$410/mo
Today · 4.125%
HK$15,876
baseline
▲ 0.50% · 4.625%
HK$16,713
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,752/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,247
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$513/mo
Today · 4.125%
HK$17,266
baseline
▲ 0.50% · 4.625%
HK$18,317
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,532/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,075
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,560
−HK$491/mo
Today · 4.125%
HK$19,051
baseline
▲ 0.50% · 4.625%
HK$20,056
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,102/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,545
−HK$599/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,370
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,288/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,653
−HK$574/mo
Today · 4.125%
HK$22,227
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,454/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$770/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,576/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$737/mo
Today · 4.125%
HK$28,577
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,507/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,154/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,598 · 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).