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$13,543
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$428/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,067
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$410/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,252
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$513/mo
Today · 4.125%
HK$17,271
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$1,051/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$34,542/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,080
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$492/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,005/mo
Deposit HK$2.38M · loan HK$3.56M · min. income ≈ HK$38,114/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,961
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,551
−HK$599/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,226/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,094
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$574/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,172/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,378
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,136
−HK$771/mo
Today · 4.125%
HK$25,907
baseline
▲ 0.50% · 4.625%
HK$27,483
+HK$1,576/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,814/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,120
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,848
−HK$738/mo
Today · 4.125%
HK$28,586
baseline
▲ 0.50% · 4.625%
HK$30,092
+HK$1,506/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,172/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,637 · 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).