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$13,551
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,973
−HK$428/mo
Today · 4.125%
HK$14,401
baseline
▲ 0.50% · 4.625%
HK$15,278
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,802/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,076
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,480
−HK$410/mo
Today · 4.125%
HK$15,890
baseline
▲ 0.50% · 4.625%
HK$16,728
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,780/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,262
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,768
−HK$513/mo
Today · 4.125%
HK$17,281
baseline
▲ 0.50% · 4.625%
HK$18,333
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,562/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,091
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,576
−HK$492/mo
Today · 4.125%
HK$19,068
baseline
▲ 0.50% · 4.625%
HK$20,074
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,136/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,972
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,562
−HK$600/mo
Today · 4.125%
HK$20,162
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,227/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,324/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,106
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,672
−HK$574/mo
Today · 4.125%
HK$22,246
baseline
▲ 0.50% · 4.625%
HK$23,419
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,492/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,393
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,151
−HK$771/mo
Today · 4.125%
HK$25,922
baseline
▲ 0.50% · 4.625%
HK$27,500
+HK$1,578/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$51,844/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,136
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,864
−HK$739/mo
Today · 4.125%
HK$28,603
baseline
▲ 0.50% · 4.625%
HK$30,110
+HK$1,507/mo
Deposit HK$594K · loan HK$5.35M · min. income ≈ HK$57,206/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$133,717 · 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).