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$13,542
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,963
−HK$428/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,267
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,782/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,066
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,470
−HK$410/mo
Today · 4.125%
HK$15,880
baseline
▲ 0.50% · 4.625%
HK$16,717
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,760/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,251
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$514/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,321
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,540/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,079
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,564
−HK$491/mo
Today · 4.125%
HK$19,055
baseline
▲ 0.50% · 4.625%
HK$20,060
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,110/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,959
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$599/mo
Today · 4.125%
HK$20,148
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,296/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,092
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$574/mo
Today · 4.125%
HK$22,231
baseline
▲ 0.50% · 4.625%
HK$23,403
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,462/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,376
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,134
−HK$771/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,481
+HK$1,576/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,118
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,845
−HK$738/mo
Today · 4.125%
HK$28,583
baseline
▲ 0.50% · 4.625%
HK$30,090
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,166/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,626 · 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).