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$13,562
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,984
−HK$428/mo
Today · 4.125%
HK$14,412
baseline
▲ 0.50% · 4.625%
HK$15,289
+HK$877/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,824/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,087
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,492
−HK$411/mo
Today · 4.125%
HK$15,903
baseline
▲ 0.50% · 4.625%
HK$16,741
+HK$838/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,806/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$133,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,274
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,780
−HK$515/mo
Today · 4.125%
HK$17,295
baseline
▲ 0.50% · 4.625%
HK$18,347
+HK$1,052/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$34,590/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,105
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,590
−HK$493/mo
Today · 4.125%
HK$19,083
baseline
▲ 0.50% · 4.625%
HK$20,089
+HK$1,006/mo
Deposit HK$2.38M · loan HK$3.57M · min. income ≈ HK$38,166/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,987
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$600/mo
Today · 4.125%
HK$20,177
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,228/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,354/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,122
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$575/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,173/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$133,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,411
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,171
−HK$771/mo
Today · 4.125%
HK$25,942
baseline
▲ 0.50% · 4.625%
HK$27,521
+HK$1,579/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$51,884/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,157
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,886
−HK$739/mo
Today · 4.125%
HK$28,625
baseline
▲ 0.50% · 4.625%
HK$30,133
+HK$1,508/mo
Deposit HK$595K · loan HK$5.35M · min. income ≈ HK$57,250/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$133,820 · 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).