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$13,562
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,984
−HK$429/mo
Today · 4.125%
HK$14,413
baseline
▲ 0.50% · 4.625%
HK$15,290
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,826/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,088
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,493
−HK$410/mo
Today · 4.125%
HK$15,903
baseline
▲ 0.50% · 4.625%
HK$16,741
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,806/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,275
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,781
−HK$514/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$1,053/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,105
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,591
−HK$493/mo
Today · 4.125%
HK$19,084
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,168/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,987
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,578
−HK$600/mo
Today · 4.125%
HK$20,178
baseline
▲ 0.50% · 4.625%
HK$21,406
+HK$1,228/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,356/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,123
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,690
−HK$574/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,438
+HK$1,174/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,412
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,171
−HK$772/mo
Today · 4.125%
HK$25,943
baseline
▲ 0.50% · 4.625%
HK$27,521
+HK$1,578/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,886/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,158
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,887
−HK$738/mo
Today · 4.125%
HK$28,625
baseline
▲ 0.50% · 4.625%
HK$30,134
+HK$1,509/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,250/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,823 · 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).