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$13,531
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,952
−HK$428/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,255
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,760/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,054
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$410/mo
Today · 4.125%
HK$15,867
baseline
▲ 0.50% · 4.625%
HK$16,703
+HK$836/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,734/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,238
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,743
−HK$513/mo
Today · 4.125%
HK$17,256
baseline
▲ 0.50% · 4.625%
HK$18,306
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,512/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,064
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,549
−HK$491/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,044
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,080/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,944
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,533
−HK$599/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,357
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$40,264/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,075
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,640
−HK$574/mo
Today · 4.125%
HK$22,214
baseline
▲ 0.50% · 4.625%
HK$23,385
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.15M · min. income ≈ HK$44,428/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,357
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,114
−HK$770/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,459
+HK$1,575/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,097
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,823
−HK$737/mo
Today · 4.125%
HK$28,560
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,506/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,120/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,520 · 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).