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$13,532
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,953
−HK$427/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$133,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,054
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,458
−HK$409/mo
Today · 4.125%
HK$15,867
baseline
▲ 0.50% · 4.625%
HK$16,704
+HK$837/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$133,522 · 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$133,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,065
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,549
−HK$492/mo
Today · 4.125%
HK$19,041
baseline
▲ 0.50% · 4.625%
HK$20,044
+HK$1,003/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,082/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,944
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,534
−HK$598/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$133,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,075
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,641
−HK$573/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$133,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,357
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,115
−HK$769/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$133,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,097
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,824
−HK$737/mo
Today · 4.125%
HK$28,561
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,505/mo
Deposit HK$593K · loan HK$5.34M · min. income ≈ HK$57,122/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,522 · 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).