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$851/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$429/mo
Today · 4.125%
HK$14,409
baseline
▲ 0.50% · 4.625%
HK$15,285
+HK$876/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,818/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,084
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$410/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,737
+HK$839/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$133,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,270
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,776
−HK$514/mo
Today · 4.125%
HK$17,290
baseline
▲ 0.50% · 4.625%
HK$18,342
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,580/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,100
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,586
−HK$492/mo
Today · 4.125%
HK$19,078
baseline
▲ 0.50% · 4.625%
HK$20,084
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,156/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,982
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$600/mo
Today · 4.125%
HK$20,172
baseline
▲ 0.50% · 4.625%
HK$21,399
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,344/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,683
−HK$575/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,431
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,405
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,164
−HK$772/mo
Today · 4.125%
HK$25,936
baseline
▲ 0.50% · 4.625%
HK$27,514
+HK$1,578/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,872/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,150
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,879
−HK$738/mo
Today · 4.125%
HK$28,617
baseline
▲ 0.50% · 4.625%
HK$30,126
+HK$1,509/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,234/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,785 · 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).