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$13,547
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$428/mo
Today · 4.125%
HK$14,397
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,794/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,071
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$410/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,723
+HK$837/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$133,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,257
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,763
−HK$513/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,328
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,552/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,086
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$492/mo
Today · 4.125%
HK$19,063
baseline
▲ 0.50% · 4.625%
HK$20,068
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,126/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,966
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,556
−HK$600/mo
Today · 4.125%
HK$20,156
baseline
▲ 0.50% · 4.625%
HK$21,382
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,312/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,100
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,666
−HK$574/mo
Today · 4.125%
HK$22,240
baseline
▲ 0.50% · 4.625%
HK$23,412
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,480/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,385
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,144
−HK$771/mo
Today · 4.125%
HK$25,915
baseline
▲ 0.50% · 4.625%
HK$27,491
+HK$1,576/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,830/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,129
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,856
−HK$738/mo
Today · 4.125%
HK$28,594
baseline
▲ 0.50% · 4.625%
HK$30,101
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,188/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,678 · 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).