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$13,565
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,987
−HK$429/mo
Today · 4.125%
HK$14,416
baseline
▲ 0.50% · 4.625%
HK$15,293
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,832/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,091
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$411/mo
Today · 4.125%
HK$15,907
baseline
▲ 0.50% · 4.625%
HK$16,745
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,814/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,279
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,785
−HK$514/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,352
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,598/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,110
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$493/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,094
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,176/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,992
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,582
−HK$601/mo
Today · 4.125%
HK$20,183
baseline
▲ 0.50% · 4.625%
HK$21,411
+HK$1,228/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,366/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,128
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,695
−HK$575/mo
Today · 4.125%
HK$22,270
baseline
▲ 0.50% · 4.625%
HK$23,443
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,540/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,418
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,177
−HK$772/mo
Today · 4.125%
HK$25,949
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,579/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,898/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,165
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,893
−HK$739/mo
Today · 4.125%
HK$28,632
baseline
▲ 0.50% · 4.625%
HK$30,142
+HK$1,510/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,264/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,855 · 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).