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$13,537
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,958
−HK$428/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,261
+HK$875/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$28,772/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,060
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,463
−HK$410/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,710
+HK$837/mo
Deposit HK$2.97M · loan HK$2.97M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$133,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,244
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,749
−HK$514/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,313
+HK$1,050/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,556
−HK$492/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,052
+HK$1,004/mo
Deposit HK$2.37M · loan HK$3.56M · min. income ≈ HK$38,096/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$133,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,952
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,541
−HK$599/mo
Today · 4.125%
HK$20,140
baseline
▲ 0.50% · 4.625%
HK$21,365
+HK$1,225/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$40,280/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,083
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,649
−HK$574/mo
Today · 4.125%
HK$22,223
baseline
▲ 0.50% · 4.625%
HK$23,394
+HK$1,171/mo
Deposit HK$1.78M · loan HK$4.16M · min. income ≈ HK$44,446/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$133,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,366
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,124
−HK$770/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,576/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,107
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,834
−HK$738/mo
Today · 4.125%
HK$28,572
baseline
▲ 0.50% · 4.625%
HK$30,078
+HK$1,506/mo
Deposit HK$594K · loan HK$5.34M · min. income ≈ HK$57,144/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,573 · 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).