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$13,548
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$429/mo
Today · 4.125%
HK$14,398
baseline
▲ 0.50% · 4.625%
HK$15,274
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,796/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,072
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$410/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,724
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,772/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,258
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,763
−HK$514/mo
Today · 4.125%
HK$17,277
baseline
▲ 0.50% · 4.625%
HK$18,328
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,554/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,086
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$493/mo
Today · 4.125%
HK$19,064
baseline
▲ 0.50% · 4.625%
HK$20,068
+HK$1,004/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,128/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,967
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$600/mo
Today · 4.125%
HK$20,157
baseline
▲ 0.50% · 4.625%
HK$21,383
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,314/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,101
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,667
−HK$574/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,386
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,145
−HK$771/mo
Today · 4.125%
HK$25,916
baseline
▲ 0.50% · 4.625%
HK$27,493
+HK$1,577/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,832/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,130
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,857
−HK$738/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,103
+HK$1,508/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,683 · 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).