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$13,555
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$428/mo
Today · 4.125%
HK$14,405
baseline
▲ 0.50% · 4.625%
HK$15,282
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,810/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,080
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,484
−HK$411/mo
Today · 4.125%
HK$15,895
baseline
▲ 0.50% · 4.625%
HK$16,732
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,790/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,266
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,772
−HK$514/mo
Today · 4.125%
HK$17,286
baseline
▲ 0.50% · 4.625%
HK$18,338
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,572/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,096
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$492/mo
Today · 4.125%
HK$19,073
baseline
▲ 0.50% · 4.625%
HK$20,079
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,146/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,977
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$600/mo
Today · 4.125%
HK$20,167
baseline
▲ 0.50% · 4.625%
HK$21,394
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,334/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,112
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,678
−HK$574/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,425
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,399
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,158
−HK$771/mo
Today · 4.125%
HK$25,929
baseline
▲ 0.50% · 4.625%
HK$27,507
+HK$1,578/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,858/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,144
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,872
−HK$738/mo
Today · 4.125%
HK$28,610
baseline
▲ 0.50% · 4.625%
HK$30,118
+HK$1,508/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,220/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,752 · 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).