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$13,558
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,979
−HK$429/mo
Today · 4.125%
HK$14,408
baseline
▲ 0.50% · 4.625%
HK$15,284
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,816/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,083
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,487
−HK$411/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,269
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,775
−HK$514/mo
Today · 4.125%
HK$17,289
baseline
▲ 0.50% · 4.625%
HK$18,341
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,578/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,099
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,585
−HK$492/mo
Today · 4.125%
HK$19,077
baseline
▲ 0.50% · 4.625%
HK$20,083
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,154/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,981
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$600/mo
Today · 4.125%
HK$20,171
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,342/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,116
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$575/mo
Today · 4.125%
HK$22,257
baseline
▲ 0.50% · 4.625%
HK$23,430
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,514/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,404
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,163
−HK$771/mo
Today · 4.125%
HK$25,934
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,578/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,868/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,149
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,877
−HK$739/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,124
+HK$1,508/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,778 · 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).