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$13,519
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$427/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,241
+HK$874/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$28,734/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$409/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,688
+HK$835/mo
Deposit HK$2.96M · loan HK$2.96M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,223
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$513/mo
Today · 4.125%
HK$17,241
baseline
▲ 0.50% · 4.625%
HK$18,290
+HK$1,049/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,482/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,048
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$491/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,026
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,046/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$133,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,927
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,516
−HK$598/mo
Today · 4.125%
HK$20,114
baseline
▲ 0.50% · 4.625%
HK$21,338
+HK$1,224/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,228/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,621
−HK$573/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,170/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,335
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,092
−HK$769/mo
Today · 4.125%
HK$25,861
baseline
▲ 0.50% · 4.625%
HK$27,435
+HK$1,574/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,722/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$736/mo
Today · 4.125%
HK$28,535
baseline
▲ 0.50% · 4.625%
HK$30,039
+HK$1,504/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,070/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$133,401 · 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).