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$13,541
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$428/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,266
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,780/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,064
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,469
−HK$409/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,715
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,249
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$513/mo
Today · 4.125%
HK$17,268
baseline
▲ 0.50% · 4.625%
HK$18,319
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,536/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,077
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,562
−HK$492/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,058
+HK$1,004/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,958
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,547
−HK$600/mo
Today · 4.125%
HK$20,147
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,294/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,090
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$574/mo
Today · 4.125%
HK$22,230
baseline
▲ 0.50% · 4.625%
HK$23,401
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,460/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,374
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,132
−HK$771/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,479
+HK$1,576/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,116
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,843
−HK$738/mo
Today · 4.125%
HK$28,581
baseline
▲ 0.50% · 4.625%
HK$30,088
+HK$1,507/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,162/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,616 · 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).